Home > Eclipse Bank, Inc. > Performance and Condition Ratios
Eclipse Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 1,688 |
| Cost of funding earning assets | 3.1972% | 113 |
| Net interest margin | 1.9916% | 4,414 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.1906% | 3,154 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | -0.1716% | 4,449 |
| Return on assets (ROA) | -0.1716% | 4,435 |
| Pretax return on assets | -0.2797% | 4,450 |
| Return on Equity (ROE) | -1.9500% | 4,417 |
| Retained earnings to average equity (ytd only) | -1.9525% | 4,269 |
| Net charge-offs to loans | 0.0249% | 1,816 |
| Credit loss provision to net charge-offs | 858.8235% | 462 |
| Earnings coverage of net charge-offs (x) | -4.4412% | 4,538 |
| Efficiency ratio | 104.5509% | 148 |
| Assets per employee ($millions) | 9.8242% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,365 |
| Loan loss allowance to noncurrent loans | 182.5160% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 1,214 |
| Noncurrent loans to loans | 0.5425% | 1,442 |
| Net loans and leases to total assets | 83.7800% | 286 |
| Net loans and leases to deposits | 117.1728% | 105 |
| Net loans and leases to core deposits | 148.3657% | 215 |
| Total domestic deposits to total assets | 71.5000% | 4,243 |
| Equity capital to assets | 7.8744% | 3,503 |
| Core capital (leverage) ratio | 9.0619% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $475,077,600 | 1,783 |
| Average earning assets | $452,590,400 | 1,747 |
| Average equity | $41,740,800 | 1,824 |
| Average total loans | $408,944,600 | 1,448 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1653% | 1,518 |
| Cost of funding earning assets | 3.0127% | 116 |
| Net interest margin | 2.1526% | 4,381 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.2265% | 3,008 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.0011% | 4,374 |
| Return on assets (ROA) | 0.0011% | 4,396 |
| Pretax return on assets | -0.0458% | 4,424 |
| Return on Equity (ROE) | 0.0100% | 4,382 |
| Retained earnings to average equity (ytd only) | 0.0127% | 4,108 |
| Net charge-offs to loans | 0.0291% | 1,490 |
| Credit loss provision to net charge-offs | 439.7727% | 693 |
| Earnings coverage of net charge-offs (x) | 2.5795% | 2,474 |
| Efficiency ratio | 97.1664% | 213 |
| Assets per employee ($millions) | 9.6734% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 3,768 |
| Loan loss allowance to noncurrent loans | 553.8574% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 2,651 |
| Noncurrent loans to loans | 0.1603% | 2,751 |
| Net loans and leases to total assets | 84.4400% | 250 |
| Net loans and leases to deposits | 119.0388% | 83 |
| Net loans and leases to core deposits | 151.5340% | 142 |
| Total domestic deposits to total assets | 70.9400% | 4,294 |
| Equity capital to assets | 8.3045% | 2,854 |
| Core capital (leverage) ratio | 9.3824% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $466,132,000 | 1,806 |
| Average earning assets | $444,469,500 | 1,767 |
| Average equity | $42,119,250 | 1,794 |
| Average total loans | $403,109,750 | 1,462 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 1,370 |
| Cost of funding earning assets | 2.6993% | 131 |
| Net interest margin | 2.4020% | 4,295 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.3043% | 2,792 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.0815% | 4,375 |
| Return on assets (ROA) | 0.0815% | 4,410 |
| Pretax return on assets | 0.0577% | 4,419 |
| Return on Equity (ROE) | 0.8800% | 4,380 |
| Retained earnings to average equity (ytd only) | 0.8761% | 3,933 |
| Net charge-offs to loans | 0.0360% | 1,182 |
| Credit loss provision to net charge-offs | 543.6620% | 618 |
| Earnings coverage of net charge-offs (x) | 7.2817% | 2,091 |
| Efficiency ratio | 91.0024% | 330 |
| Assets per employee ($millions) | 9.2905% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 3,800 |
| Loan loss allowance to noncurrent loans | 557.8102% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 2,578 |
| Noncurrent loans to loans | 0.1604% | 2,674 |
| Net loans and leases to total assets | 85.9700% | 154 |
| Net loans and leases to deposits | 119.8908% | 90 |
| Net loans and leases to core deposits | 168.0718% | 86 |
| Total domestic deposits to total assets | 71.7100% | 4,305 |
| Equity capital to assets | 8.6036% | 2,776 |
| Core capital (leverage) ratio | 9.8975% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $453,837,667 | 1,844 |
| Average earning assets | $433,141,667 | 1,799 |
| Average equity | $42,234,667 | 1,806 |
| Average total loans | $394,623,000 | 1,466 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 1,262 |
| Cost of funding earning assets | 2.2330% | 182 |
| Net interest margin | 2.7479% | 4,014 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.4715% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3157% | 4,231 |
| Return on assets (ROA) | 0.3157% | 4,190 |
| Pretax return on assets | 0.3682% | 4,175 |
| Return on Equity (ROE) | 3.2500% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.2535% | 3,450 |
| Net charge-offs to loans | 0.0761% | 692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.5556% | 1,808 |
| Efficiency ratio | 87.0340% | 467 |
| Assets per employee ($millions) | 8.7796% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 3,958 |
| Loan loss allowance to noncurrent loans | 700.8163% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 2,777 |
| Noncurrent loans to loans | 0.1230% | 2,897 |
| Net loans and leases to total assets | 86.4800% | 123 |
| Net loans and leases to deposits | 118.7978% | 91 |
| Net loans and leases to core deposits | 157.3512% | 99 |
| Total domestic deposits to total assets | 72.8000% | 4,329 |
| Equity capital to assets | 9.2113% | 2,364 |
| Core capital (leverage) ratio | 10.9543% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $434,557,000 | 1,925 |
| Average earning assets | $414,869,500 | 1,886 |
| Average equity | $42,170,000 | 1,828 |
| Average total loans | $378,364,500 | 1,529 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 1,291 |
| Cost of funding earning assets | 0.9661% | 190 |
| Net interest margin | 3.2112% | 2,837 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.7330% | 1,484 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.3051% | 4,361 |
| Return on assets (ROA) | 0.3051% | 4,334 |
| Pretax return on assets | 0.3484% | 4,331 |
| Return on Equity (ROE) | 3.3000% | 4,262 |
| Retained earnings to average equity (ytd only) | 3.2980% | 3,631 |
| Net charge-offs to loans | -0.0038% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.6098% | 560 |
| Assets per employee ($millions) | 8.0897% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 3,987 |
| Loan loss allowance to noncurrent loans | 616.7715% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 2,713 |
| Noncurrent loans to loans | 0.1331% | 2,849 |
| Net loans and leases to total assets | 86.1700% | 144 |
| Net loans and leases to deposits | 110.0395% | 154 |
| Net loans and leases to core deposits | 135.7402% | 175 |
| Total domestic deposits to total assets | 78.3100% | 4,062 |
| Equity capital to assets | 10.2495% | 1,587 |
| Core capital (leverage) ratio | 11.6047% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $353,015,200 | 2,213 |
| Average earning assets | $339,620,400 | 2,157 |
| Average equity | $32,656,000 | 2,212 |
| Average total loans | $291,164,600 | 1,764 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 1,295 |
| Cost of funding earning assets | 0.7569% | 192 |
| Net interest margin | 3.2266% | 2,544 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.8212% | 1,206 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 0.2448% | 4,435 |
| Return on assets (ROA) | 0.2448% | 4,399 |
| Pretax return on assets | 0.2684% | 4,407 |
| Return on Equity (ROE) | 2.6400% | 4,339 |
| Retained earnings to average equity (ytd only) | 2.6447% | 3,877 |
| Net charge-offs to loans | 0.0005% | 2,326 |
| Credit loss provision to net charge-offs | 80,100.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,484.0000% | 87 |
| Efficiency ratio | 82.8697% | 614 |
| Assets per employee ($millions) | 7.1868% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 3,893 |
| Loan loss allowance to noncurrent loans | 63.8483% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1825% | 353 |
| Noncurrent loans to loans | 1.3920% | 519 |
| Net loans and leases to total assets | 84.1900% | 230 |
| Net loans and leases to deposits | 112.2839% | 101 |
| Net loans and leases to core deposits | 133.4612% | 128 |
| Total domestic deposits to total assets | 74.9800% | 4,411 |
| Equity capital to assets | 11.1663% | 1,121 |
| Core capital (leverage) ratio | 12.2765% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $339,284,250 | 2,275 |
| Average earning assets | $327,310,750 | 2,216 |
| Average equity | $31,407,750 | 2,304 |
| Average total loans | $274,337,250 | 1,837 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 1,468 |
| Cost of funding earning assets | 0.5612% | 366 |
| Net interest margin | 3.1701% | 2,288 |
| Noninterest income to average assets | 0.3368% | 3,139 |
| Noninterest expense to average assets | 2.8742% | 1,033 |
| Loan and lease loss provision to assets | 0.4960% | 108 |
| Net operating income to assets | 0.0687% | 4,542 |
| Return on assets (ROA) | 0.0687% | 4,507 |
| Pretax return on assets | 0.0272% | 4,529 |
| Return on Equity (ROE) | 0.8093% | 4,483 |
| Retained earnings to average equity (ytd only) | 0.8093% | 4,033 |
| Net charge-offs to loans | 0.0008% | 2,125 |
| Credit loss provision to net charge-offs | 80,100.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 845.0000% | 159 |
| Efficiency ratio | 84.6000% | 645 |
| Assets per employee ($millions) | 7.8646% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 3,753 |
| Loan loss allowance to noncurrent loans | 582.5050% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 2,761 |
| Noncurrent loans to loans | 0.1651% | 2,868 |
| Net loans and leases to total assets | 81.6102% | 307 |
| Net loans and leases to deposits | 105.7621% | 136 |
| Net loans and leases to core deposits | 121.7245% | 186 |
| Total domestic deposits to total assets | 77.1640% | 4,407 |
| Equity capital to assets | 8.0918% | 3,045 |
| Core capital (leverage) ratio | 10.1447% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,016,000 | 2,375 |
| Average earning assets | $311,853,333 | 2,319 |
| Average equity | $27,432,000 | 2,555 |
| Average total loans | $255,891,333 | 1,915 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 1,300 |
| Cost of funding earning assets | 0.5376% | 400 |
| Net interest margin | 3.1492% | 2,023 |
| Noninterest income to average assets | 0.5082% | 2,103 |
| Noninterest expense to average assets | 3.1177% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3584% | 4,041 |
| Return on assets (ROA) | 0.3584% | 4,004 |
| Pretax return on assets | 0.4307% | 3,983 |
| Return on Equity (ROE) | 4.1948% | 3,830 |
| Retained earnings to average equity (ytd only) | 4.1948% | 2,869 |
| Net charge-offs to loans | 0.0017% | 1,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 303 |
| Efficiency ratio | 87.8628% | 644 |
| Assets per employee ($millions) | 6.7910% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 4,035 |
| Loan loss allowance to noncurrent loans | 422.4206% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 2,643 |
| Noncurrent loans to loans | 0.2138% | 2,754 |
| Net loans and leases to total assets | 76.4543% | 475 |
| Net loans and leases to deposits | 93.7031% | 376 |
| Net loans and leases to core deposits | 106.7229% | 335 |
| Total domestic deposits to total assets | 81.5921% | 4,133 |
| Equity capital to assets | 7.9870% | 3,583 |
| Core capital (leverage) ratio | 9.3935% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7698% | 2,687 |
| Memoranda: | ||
| Average total assets | $299,069,000 | 2,499 |
| Average earning assets | $288,705,500 | 2,451 |
| Average equity | $25,555,500 | 2,736 |
| Average total loans | $231,542,000 | 2,037 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 1,595 |
| Cost of funding earning assets | 0.6217% | 491 |
| Net interest margin | 3.2831% | 2,355 |
| Noninterest income to average assets | 1.0112% | 987 |
| Noninterest expense to average assets | 3.1333% | 809 |
| Loan and lease loss provision to assets | 0.1341% | 907 |
| Net operating income to assets | 0.7306% | 3,542 |
| Return on assets (ROA) | 0.7368% | 3,588 |
| Pretax return on assets | 0.9240% | 3,441 |
| Return on Equity (ROE) | 7.7706% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.7706% | 1,629 |
| Net charge-offs to loans | -0.0039% | 3,496 |
| Credit loss provision to net charge-offs | -4,325.0000% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8935% | 1,223 |
| Assets per employee ($millions) | 7.6984% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 3,971 |
| Loan loss allowance to noncurrent loans | 415.2047% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 2,707 |
| Noncurrent loans to loans | 0.2257% | 2,830 |
| Net loans and leases to total assets | 76.9749% | 446 |
| Net loans and leases to deposits | 92.4195% | 445 |
| Net loans and leases to core deposits | 105.6052% | 378 |
| Total domestic deposits to total assets | 83.2885% | 3,749 |
| Equity capital to assets | 9.1280% | 3,482 |
| Core capital (leverage) ratio | 9.5166% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1500% | 2,581 |
| Memoranda: | ||
| Average total assets | $258,002,000 | 2,674 |
| Average earning assets | $249,309,400 | 2,622 |
| Average equity | $24,464,000 | 2,884 |
| Average total loans | $204,778,600 | 2,209 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 1,624 |
| Cost of funding earning assets | 0.6392% | 519 |
| Net interest margin | 3.3208% | 2,354 |
| Noninterest income to average assets | 1.2057% | 782 |
| Noninterest expense to average assets | 3.2284% | 684 |
| Loan and lease loss provision to assets | 0.1315% | 874 |
| Net operating income to assets | 0.8453% | 3,403 |
| Return on assets (ROA) | 0.8539% | 3,442 |
| Pretax return on assets | 1.0645% | 3,287 |
| Return on Equity (ROE) | 8.9075% | 3,137 |
| Retained earnings to average equity (ytd only) | 8.9075% | 1,731 |
| Net charge-offs to loans | -0.0054% | 3,454 |
| Credit loss provision to net charge-offs | -3,075.0000% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1435% | 1,292 |
| Assets per employee ($millions) | 7.2411% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 4,145 |
| Loan loss allowance to noncurrent loans | 397.0646% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 2,874 |
| Noncurrent loans to loans | 0.2271% | 3,031 |
| Net loans and leases to total assets | 81.0344% | 242 |
| Net loans and leases to deposits | 97.5940% | 289 |
| Net loans and leases to core deposits | 112.2898% | 281 |
| Total domestic deposits to total assets | 83.0321% | 3,698 |
| Equity capital to assets | 9.0689% | 3,768 |
| Core capital (leverage) ratio | 9.3902% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6472% | 2,817 |
| Memoranda: | ||
| Average total assets | $249,367,250 | 2,750 |
| Average earning assets | $240,903,000 | 2,696 |
| Average equity | $23,904,250 | 2,949 |
| Average total loans | $199,145,000 | 2,276 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9126% | 1,778 |
| Cost of funding earning assets | 0.6782% | 507 |
| Net interest margin | 3.2344% | 2,655 |
| Noninterest income to average assets | 1.4038% | 605 |
| Noninterest expense to average assets | 3.3102% | 607 |
| Loan and lease loss provision to assets | 0.0382% | 2,232 |
| Net operating income to assets | 0.9436% | 3,080 |
| Return on assets (ROA) | 0.9569% | 3,125 |
| Pretax return on assets | 1.1978% | 2,918 |
| Return on Equity (ROE) | 9.7816% | 2,838 |
| Retained earnings to average equity (ytd only) | 9.7816% | 1,473 |
| Net charge-offs to loans | -0.0084% | 3,611 |
| Credit loss provision to net charge-offs | -575.0000% | 3,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0790% | 1,331 |
| Assets per employee ($millions) | 6.6371% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 4,173 |
| Loan loss allowance to noncurrent loans | 356.7251% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,955 |
| Noncurrent loans to loans | 0.2504% | 3,049 |
| Net loans and leases to total assets | 78.4413% | 411 |
| Net loans and leases to deposits | 95.4845% | 400 |
| Net loans and leases to core deposits | 110.5670% | 346 |
| Total domestic deposits to total assets | 82.1508% | 3,896 |
| Equity capital to assets | 9.4720% | 3,359 |
| Core capital (leverage) ratio | 9.9748% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1471% | 2,666 |
| Memoranda: | ||
| Average total assets | $240,769,333 | 2,807 |
| Average earning assets | $232,685,667 | 2,742 |
| Average equity | $23,554,333 | 2,969 |
| Average total loans | $190,525,333 | 2,342 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 1,650 |
| Cost of funding earning assets | 0.7228% | 506 |
| Net interest margin | 3.2524% | 2,542 |
| Noninterest income to average assets | 1.9039% | 407 |
| Noninterest expense to average assets | 3.5248% | 451 |
| Loan and lease loss provision to assets | 0.0432% | 2,203 |
| Net operating income to assets | 1.1375% | 2,364 |
| Return on assets (ROA) | 1.1375% | 2,432 |
| Pretax return on assets | 1.4741% | 2,062 |
| Return on Equity (ROE) | 11.4249% | 2,211 |
| Retained earnings to average equity (ytd only) | 11.4249% | 1,289 |
| Net charge-offs to loans | -0.0065% | 3,500 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9076% | 1,715 |
| Assets per employee ($millions) | 6.6775% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 4,009 |
| Loan loss allowance to noncurrent loans | 350.2913% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 3,082 |
| Noncurrent loans to loans | 0.2723% | 3,130 |
| Net loans and leases to total assets | 77.9351% | 472 |
| Net loans and leases to deposits | 91.4522% | 621 |
| Net loans and leases to core deposits | 107.5902% | 467 |
| Total domestic deposits to total assets | 85.2195% | 3,020 |
| Equity capital to assets | 9.9538% | 2,745 |
| Core capital (leverage) ratio | 10.1832% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2117% | 2,202 |
| Memoranda: | ||
| Average total assets | $231,730,500 | 2,851 |
| Average earning assets | $223,589,500 | 2,786 |
| Average equity | $23,072,500 | 2,989 |
| Average total loans | $183,351,500 | 2,418 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 1,702 |
| Cost of funding earning assets | 1.0336% | 524 |
| Net interest margin | 3.3222% | 3,014 |
| Noninterest income to average assets | 0.6297% | 2,099 |
| Noninterest expense to average assets | 2.7056% | 2,223 |
| Loan and lease loss provision to assets | 0.2017% | 1,944 |
| Net operating income to assets | 0.7474% | 3,269 |
| Return on assets (ROA) | 0.7565% | 3,373 |
| Pretax return on assets | 0.9408% | 3,250 |
| Return on Equity (ROE) | 7.0815% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.0815% | 1,369 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5193% | 1,879 |
| Assets per employee ($millions) | 7.4357% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,867 |
| Loan loss allowance to noncurrent loans | 185.1929% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 2,291 |
| Noncurrent loans to loans | 0.5401% | 2,357 |
| Net loans and leases to total assets | 78.7977% | 515 |
| Net loans and leases to deposits | 93.0169% | 718 |
| Net loans and leases to core deposits | 112.0043% | 456 |
| Total domestic deposits to total assets | 84.7133% | 2,871 |
| Equity capital to assets | 9.9597% | 3,165 |
| Core capital (leverage) ratio | 10.1755% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4267% | 2,477 |
| Memoranda: | ||
| Average total assets | $200,252,800 | 2,943 |
| Average earning assets | $193,305,200 | 2,881 |
| Average equity | $21,393,800 | 3,065 |
| Average total loans | $167,797,400 | 2,503 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 1,648 |
| Cost of funding earning assets | 1.0885% | 559 |
| Net interest margin | 3.3826% | 2,973 |
| Noninterest income to average assets | 0.4160% | 3,004 |
| Noninterest expense to average assets | 2.6406% | 2,415 |
| Loan and lease loss provision to assets | 0.1064% | 2,985 |
| Net operating income to assets | 0.7522% | 3,276 |
| Return on assets (ROA) | 0.7648% | 3,344 |
| Pretax return on assets | 0.9540% | 3,215 |
| Return on Equity (ROE) | 7.0227% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.0227% | 1,678 |
| Net charge-offs to loans | -0.0153% | 4,339 |
| Credit loss provision to net charge-offs | -815.7895% | 3,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6571% | 1,679 |
| Assets per employee ($millions) | 7.8382% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,189 |
| Loan loss allowance to noncurrent loans | 161.7155% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 2,376 |
| Noncurrent loans to loans | 0.5332% | 2,466 |
| Net loans and leases to total assets | 83.9826% | 279 |
| Net loans and leases to deposits | 100.9497% | 499 |
| Net loans and leases to core deposits | 122.4468% | 367 |
| Total domestic deposits to total assets | 83.1925% | 3,092 |
| Equity capital to assets | 10.3023% | 2,961 |
| Core capital (leverage) ratio | 10.3108% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5394% | 2,398 |
| Memoranda: | ||
| Average total assets | $194,548,500 | 2,966 |
| Average earning assets | $188,019,000 | 2,908 |
| Average equity | $21,188,000 | 3,075 |
| Average total loans | $165,359,250 | 2,530 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 1,816 |
| Cost of funding earning assets | 1.1559% | 601 |
| Net interest margin | 3.3789% | 3,162 |
| Noninterest income to average assets | 0.2732% | 3,841 |
| Noninterest expense to average assets | 2.5777% | 2,745 |
| Loan and lease loss provision to assets | 0.1165% | 2,855 |
| Net operating income to assets | 0.6866% | 3,440 |
| Return on assets (ROA) | 0.7064% | 3,481 |
| Pretax return on assets | 0.8695% | 3,402 |
| Return on Equity (ROE) | 6.3575% | 3,378 |
| Retained earnings to average equity (ytd only) | 6.3575% | 1,920 |
| Net charge-offs to loans | -0.0224% | 4,439 |
| Credit loss provision to net charge-offs | -611.1111% | 3,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8306% | 1,586 |
| Assets per employee ($millions) | 8.0150% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 4,125 |
| Loan loss allowance to noncurrent loans | 158.0611% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 2,495 |
| Noncurrent loans to loans | 0.5496% | 2,520 |
| Net loans and leases to total assets | 82.1413% | 401 |
| Net loans and leases to deposits | 101.9457% | 449 |
| Net loans and leases to core deposits | 120.2485% | 418 |
| Total domestic deposits to total assets | 80.5735% | 3,711 |
| Equity capital to assets | 10.2461% | 2,973 |
| Core capital (leverage) ratio | 11.1310% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3996% | 2,443 |
| Memoranda: | ||
| Average total assets | $188,854,000 | 3,001 |
| Average earning assets | $182,547,000 | 2,933 |
| Average equity | $20,983,000 | 3,080 |
| Average total loans | $160,719,000 | 2,558 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6690% | 1,803 |
| Cost of funding earning assets | 1.2967% | 572 |
| Net interest margin | 3.3723% | 3,392 |
| Noninterest income to average assets | 0.2010% | 4,349 |
| Noninterest expense to average assets | 2.6915% | 2,730 |
| Loan and lease loss provision to assets | 0.1117% | 2,285 |
| Net operating income to assets | 0.5178% | 3,848 |
| Return on assets (ROA) | 0.5584% | 3,778 |
| Pretax return on assets | 0.7080% | 3,660 |
| Return on Equity (ROE) | 4.8080% | 3,702 |
| Retained earnings to average equity (ytd only) | 4.8080% | 2,363 |
| Net charge-offs to loans | -0.0465% | 4,615 |
| Credit loss provision to net charge-offs | -277.7778% | 3,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7921% | 1,364 |
| Assets per employee ($millions) | 7.2622% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 4,069 |
| Loan loss allowance to noncurrent loans | 293.2790% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 3,263 |
| Noncurrent loans to loans | 0.3110% | 3,381 |
| Net loans and leases to total assets | 86.1751% | 131 |
| Net loans and leases to deposits | 114.2582% | 130 |
| Net loans and leases to core deposits | 126.7517% | 320 |
| Total domestic deposits to total assets | 75.4214% | 4,545 |
| Equity capital to assets | 11.5320% | 2,412 |
| Core capital (leverage) ratio | 11.8465% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5645% | 2,453 |
| Memoranda: | ||
| Average total assets | $179,085,500 | 3,052 |
| Average earning assets | $173,055,000 | 2,981 |
| Average equity | $20,798,500 | 3,092 |
| Average total loans | $154,741,000 | 2,594 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 2,406 |
| Cost of funding earning assets | 1.2779% | 821 |
| Net interest margin | 3.3958% | 3,758 |
| Noninterest income to average assets | 0.1174% | 4,870 |
| Noninterest expense to average assets | 2.5031% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7199% | 3,799 |
| Return on assets (ROA) | 0.7199% | 3,866 |
| Pretax return on assets | 0.8818% | 3,788 |
| Return on Equity (ROE) | 5.7583% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.8043% | 2,531 |
| Net charge-offs to loans | -0.0355% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9503% | 1,607 |
| Assets per employee ($millions) | 7.6789% | 803 |
| Cash dividends to net income (ytd only)* | 16.5665% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 3,939 |
| Loan loss allowance to noncurrent loans | 194.6099% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 2,030 |
| Noncurrent loans to loans | 0.4651% | 2,783 |
| Net loans and leases to total assets | 85.0517% | 237 |
| Net loans and leases to deposits | 104.9970% | 337 |
| Net loans and leases to core deposits | 117.9972% | 540 |
| Total domestic deposits to total assets | 81.0039% | 3,769 |
| Equity capital to assets | 11.6978% | 2,355 |
| Core capital (leverage) ratio | 12.4824% | 1,495 |
| Tier 1 risk-based capital ratio | 12.6427% | 3,982 |
| Total risk-based capital ratio | 13.4903% | 4,092 |
| Memoranda: | ||
| Average total assets | $161,836,400 | 3,190 |
| Average earning assets | $155,720,400 | 3,127 |
| Average equity | $20,231,800 | 3,112 |
| Average total loans | $135,314,600 | 2,774 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 2,376 |
| Cost of funding earning assets | 1.2824% | 829 |
| Net interest margin | 3.4291% | 3,782 |
| Noninterest income to average assets | 0.0995% | 4,995 |
| Noninterest expense to average assets | 2.4517% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7799% | 3,740 |
| Return on assets (ROA) | 0.7799% | 3,808 |
| Pretax return on assets | 0.9460% | 3,749 |
| Return on Equity (ROE) | 6.1283% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.1283% | 2,314 |
| Net charge-offs to loans | -0.0650% | 4,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1588% | 1,814 |
| Assets per employee ($millions) | 8.4027% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,533 |
| Loan loss allowance to noncurrent loans | 110.6858% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,695 |
| Noncurrent loans to loans | 0.9093% | 1,757 |
| Net loans and leases to total assets | 85.5104% | 223 |
| Net loans and leases to deposits | 100.3477% | 601 |
| Net loans and leases to core deposits | 115.0486% | 697 |
| Total domestic deposits to total assets | 85.2141% | 2,340 |
| Equity capital to assets | 12.9325% | 1,665 |
| Core capital (leverage) ratio | 13.1262% | 1,290 |
| Tier 1 risk-based capital ratio | 13.5324% | 3,553 |
| Total risk-based capital ratio | 14.4523% | 3,647 |
| Memoranda: | ||
| Average total assets | $158,141,750 | 3,249 |
| Average earning assets | $152,106,750 | 3,192 |
| Average equity | $20,124,750 | 3,143 |
| Average total loans | $131,246,750 | 2,840 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 2,340 |
| Cost of funding earning assets | 1.2485% | 873 |
| Net interest margin | 3.4582% | 3,718 |
| Noninterest income to average assets | 0.0837% | 5,090 |
| Noninterest expense to average assets | 2.4651% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7968% | 3,667 |
| Return on assets (ROA) | 0.7968% | 3,725 |
| Pretax return on assets | 0.9465% | 3,720 |
| Return on Equity (ROE) | 6.2955% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.2955% | 2,146 |
| Net charge-offs to loans | -0.1287% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2573% | 1,881 |
| Assets per employee ($millions) | 9.5846% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 3,231 |
| Loan loss allowance to noncurrent loans | 169.7226% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 2,394 |
| Noncurrent loans to loans | 0.6311% | 2,365 |
| Net loans and leases to total assets | 79.7573% | 923 |
| Net loans and leases to deposits | 99.9669% | 682 |
| Net loans and leases to core deposits | 115.3464% | 715 |
| Total domestic deposits to total assets | 79.7837% | 4,073 |
| Equity capital to assets | 12.4839% | 1,866 |
| Core capital (leverage) ratio | 13.3684% | 1,163 |
| Tier 1 risk-based capital ratio | 13.7427% | 3,457 |
| Total risk-based capital ratio | 14.7035% | 3,505 |
| Memoranda: | ||
| Average total assets | $157,638,330 | 3,269 |
| Average earning assets | $151,697,000 | 3,211 |
| Average equity | $19,950,670 | 3,152 |
| Average total loans | $129,026,670 | 2,881 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 2,132 |
| Cost of funding earning assets | 1.2387% | 798 |
| Net interest margin | 3.4881% | 3,623 |
| Noninterest income to average assets | 0.0852% | 5,130 |
| Noninterest expense to average assets | 2.5679% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6917% | 3,967 |
| Return on assets (ROA) | 0.6917% | 4,006 |
| Pretax return on assets | 0.8749% | 3,842 |
| Return on Equity (ROE) | 5.4263% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.4263% | 2,721 |
| Net charge-offs to loans | -0.2252% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5877% | 1,665 |
| Assets per employee ($millions) | 9.2242% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 3,209 |
| Loan loss allowance to noncurrent loans | 53.3028% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.7020% | 650 |
| Noncurrent loans to loans | 2.0352% | 722 |
| Net loans and leases to total assets | 81.1730% | 688 |
| Net loans and leases to deposits | 100.8062% | 568 |
| Net loans and leases to core deposits | 111.4429% | 863 |
| Total domestic deposits to total assets | 80.5238% | 4,069 |
| Equity capital to assets | 12.7108% | 1,622 |
| Core capital (leverage) ratio | 13.0221% | 1,266 |
| Tier 1 risk-based capital ratio | 14.2882% | 3,198 |
| Total risk-based capital ratio | 15.2982% | 3,234 |
| Memoranda: | ||
| Average total assets | $154,988,500 | 3,341 |
| Average earning assets | $149,193,000 | 3,275 |
| Average equity | $19,755,500 | 3,184 |
| Average total loans | $127,859,000 | 2,927 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 2,699 |
| Cost of funding earning assets | 0.8661% | 1,237 |
| Net interest margin | 3.5545% | 3,530 |
| Noninterest income to average assets | 0.1108% | 5,119 |
| Noninterest expense to average assets | 2.5306% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7660% | 3,924 |
| Return on assets (ROA) | 0.7629% | 3,933 |
| Pretax return on assets | 0.9778% | 3,679 |
| Return on Equity (ROE) | 6.0962% | 4,141 |
| Retained earnings to average equity (ytd only) | 6.0962% | 2,145 |
| Net charge-offs to loans | -0.0127% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0481% | 1,890 |
| Assets per employee ($millions) | 8.5092% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,434 |
| Loan loss allowance to noncurrent loans | 80.1453% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.1112% | 1,207 |
| Noncurrent loans to loans | 1.3004% | 1,215 |
| Net loans and leases to total assets | 82.0742% | 636 |
| Net loans and leases to deposits | 104.9105% | 428 |
| Net loans and leases to core deposits | 119.9502% | 549 |
| Total domestic deposits to total assets | 78.2326% | 4,452 |
| Equity capital to assets | 12.7829% | 1,449 |
| Core capital (leverage) ratio | 13.5056% | 1,076 |
| Tier 1 risk-based capital ratio | 14.4554% | 3,082 |
| Total risk-based capital ratio | 15.4372% | 3,137 |
| Memoranda: | ||
| Average total assets | $151,666,400 | 3,367 |
| Average earning assets | $145,139,400 | 3,313 |
| Average equity | $18,979,000 | 3,186 |
| Average total loans | $126,212,000 | 2,923 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 2,686 |
| Cost of funding earning assets | 0.8246% | 1,220 |
| Net interest margin | 3.5565% | 3,499 |
| Noninterest income to average assets | 0.1119% | 5,166 |
| Noninterest expense to average assets | 2.5654% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7444% | 4,095 |
| Return on assets (ROA) | 0.7403% | 4,115 |
| Pretax return on assets | 0.9394% | 3,900 |
| Return on Equity (ROE) | 5.9481% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.9481% | 2,681 |
| Net charge-offs to loans | -0.0180% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0856% | 1,721 |
| Assets per employee ($millions) | 8.4492% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,394 |
| Loan loss allowance to noncurrent loans | 80.1453% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 1,275 |
| Noncurrent loans to loans | 1.3264% | 1,257 |
| Net loans and leases to total assets | 81.0219% | 865 |
| Net loans and leases to deposits | 95.3303% | 1,231 |
| Net loans and leases to core deposits | 105.0306% | 1,379 |
| Total domestic deposits to total assets | 84.9907% | 2,609 |
| Equity capital to assets | 12.6139% | 1,515 |
| Core capital (leverage) ratio | 13.2568% | 1,185 |
| Tier 1 risk-based capital ratio | 14.4732% | 3,140 |
| Total risk-based capital ratio | 15.4731% | 3,173 |
| Memoranda: | ||
| Average total assets | $151,291,750 | 3,405 |
| Average earning assets | $144,556,750 | 3,348 |
| Average equity | $18,829,000 | 3,221 |
| Average total loans | $126,006,750 | 2,955 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 2,539 |
| Cost of funding earning assets | 0.7835% | 1,207 |
| Net interest margin | 3.5774% | 3,397 |
| Noninterest income to average assets | 0.1152% | 5,209 |
| Noninterest expense to average assets | 2.5386% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7929% | 3,878 |
| Return on assets (ROA) | 0.7866% | 3,902 |
| Pretax return on assets | 0.9972% | 3,672 |
| Return on Equity (ROE) | 6.3493% | 4,124 |
| Retained earnings to average equity (ytd only) | 6.3493% | 2,387 |
| Net charge-offs to loans | -0.0285% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6368% | 2,061 |
| Assets per employee ($millions) | 8.2958% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 3,373 |
| Loan loss allowance to noncurrent loans | 89.2929% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0280% | 1,463 |
| Noncurrent loans to loans | 1.2113% | 1,434 |
| Net loans and leases to total assets | 81.2121% | 823 |
| Net loans and leases to deposits | 95.5680% | 1,187 |
| Net loans and leases to core deposits | 104.1051% | 1,390 |
| Total domestic deposits to total assets | 84.9784% | 2,686 |
| Equity capital to assets | 12.7166% | 1,431 |
| Core capital (leverage) ratio | 12.8712% | 1,289 |
| Tier 1 risk-based capital ratio | 15.0009% | 2,874 |
| Total risk-based capital ratio | 16.0517% | 2,895 |
| Memoranda: | ||
| Average total assets | $151,027,000 | 3,420 |
| Average earning assets | $144,742,670 | 3,362 |
| Average equity | $18,710,670 | 3,252 |
| Average total loans | $126,493,330 | 2,961 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 2,435 |
| Cost of funding earning assets | 0.7837% | 1,025 |
| Net interest margin | 3.5416% | 3,379 |
| Noninterest income to average assets | 0.1106% | 5,289 |
| Noninterest expense to average assets | 2.5863% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7216% | 4,021 |
| Return on assets (ROA) | 0.7216% | 4,027 |
| Pretax return on assets | 0.9165% | 3,793 |
| Return on Equity (ROE) | 5.9015% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.9015% | 2,756 |
| Net charge-offs to loans | -0.0592% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8346% | 1,918 |
| Assets per employee ($millions) | 8.2171% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,628 |
| Loan loss allowance to noncurrent loans | 82.4736% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.1216% | 1,381 |
| Noncurrent loans to loans | 1.2798% | 1,403 |
| Net loans and leases to total assets | 84.1030% | 430 |
| Net loans and leases to deposits | 98.8957% | 792 |
| Net loans and leases to core deposits | 128.1617% | 372 |
| Total domestic deposits to total assets | 85.0421% | 2,917 |
| Equity capital to assets | 12.6356% | 1,411 |
| Core capital (leverage) ratio | 12.4228% | 1,425 |
| Tier 1 risk-based capital ratio | 14.4245% | 3,156 |
| Total risk-based capital ratio | 15.4552% | 3,196 |
| Memoranda: | ||
| Average total assets | $151,878,000 | 3,443 |
| Average earning assets | $145,470,000 | 3,386 |
| Average equity | $18,571,500 | 3,299 |
| Average total loans | $128,442,000 | 2,954 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,306 |
| Cost of funding earning assets | 0.6808% | 1,129 |
| Net interest margin | 3.6250% | 3,087 |
| Noninterest income to average assets | 0.1974% | 4,965 |
| Noninterest expense to average assets | 2.8855% | 2,502 |
| Loan and lease loss provision to assets | 0.2330% | 827 |
| Net operating income to assets | 0.2258% | 5,057 |
| Return on assets (ROA) | 0.2258% | 5,074 |
| Pretax return on assets | 0.5520% | 4,844 |
| Return on Equity (ROE) | 1.9222% | 5,075 |
| Retained earnings to average equity (ytd only) | 1.9222% | 4,168 |
| Net charge-offs to loans | -0.0201% | 4,957 |
| Credit loss provision to net charge-offs | -1,384.6154% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6142% | 1,268 |
| Assets per employee ($millions) | 8.2025% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,970 |
| Loan loss allowance to noncurrent loans | 78.2297% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 1,374 |
| Noncurrent loans to loans | 1.2748% | 1,378 |
| Net loans and leases to total assets | 83.3209% | 512 |
| Net loans and leases to deposits | 97.0167% | 991 |
| Net loans and leases to core deposits | 135.7950% | 257 |
| Total domestic deposits to total assets | 85.8830% | 2,495 |
| Equity capital to assets | 11.8410% | 1,951 |
| Core capital (leverage) ratio | 11.8287% | 1,704 |
| Tier 1 risk-based capital ratio | 13.5500% | 3,601 |
| Total risk-based capital ratio | 14.5230% | 3,677 |
| Memoranda: | ||
| Average total assets | $154,533,800 | 3,419 |
| Average earning assets | $148,053,200 | 3,349 |
| Average equity | $18,156,000 | 3,341 |
| Average total loans | $129,661,800 | 2,916 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2423% | 2,464 |
| Cost of funding earning assets | 0.6575% | 1,193 |
| Net interest margin | 3.5848% | 3,213 |
| Noninterest income to average assets | 0.2196% | 4,904 |
| Noninterest expense to average assets | 3.0124% | 2,080 |
| Loan and lease loss provision to assets | 0.3113% | 497 |
| Net operating income to assets | 0.2041% | 5,351 |
| Return on assets (ROA) | 0.2041% | 5,362 |
| Pretax return on assets | 0.3277% | 5,282 |
| Return on Equity (ROE) | 1.7402% | 5,341 |
| Retained earnings to average equity (ytd only) | 1.7402% | 4,729 |
| Net charge-offs to loans | -0.0248% | 4,923 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5006% | 876 |
| Assets per employee ($millions) | 8.0088% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 4,164 |
| Loan loss allowance to noncurrent loans | 69.1371% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,356 |
| Noncurrent loans to loans | 1.4226% | 1,312 |
| Net loans and leases to total assets | 82.0853% | 676 |
| Net loans and leases to deposits | 95.1899% | 1,184 |
| Net loans and leases to core deposits | 128.9636% | 359 |
| Total domestic deposits to total assets | 86.2333% | 2,219 |
| Equity capital to assets | 11.4861% | 2,390 |
| Core capital (leverage) ratio | 11.3614% | 2,133 |
| Tier 1 risk-based capital ratio | 12.8656% | 4,105 |
| Total risk-based capital ratio | 13.8129% | 4,186 |
| Memoranda: | ||
| Average total assets | $154,205,250 | 3,451 |
| Average earning assets | $147,620,500 | 3,383 |
| Average equity | $18,081,500 | 3,381 |
| Average total loans | $129,286,750 | 2,947 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 2,329 |
| Cost of funding earning assets | 0.6210% | 1,328 |
| Net interest margin | 3.6176% | 2,964 |
| Noninterest income to average assets | 0.2575% | 4,691 |
| Noninterest expense to average assets | 3.2152% | 1,546 |
| Loan and lease loss provision to assets | 0.4730% | 253 |
| Net operating income to assets | 0.0039% | 5,551 |
| Return on assets (ROA) | 0.0039% | 5,553 |
| Pretax return on assets | 0.0289% | 5,538 |
| Return on Equity (ROE) | 0.0334% | 5,552 |
| Retained earnings to average equity (ytd only) | 0.0334% | 5,063 |
| Net charge-offs to loans | -0.0281% | 4,929 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4970% | 654 |
| Assets per employee ($millions) | 7.3120% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 4,199 |
| Loan loss allowance to noncurrent loans | 46.4618% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.8547% | 726 |
| Noncurrent loans to loans | 2.1341% | 770 |
| Net loans and leases to total assets | 84.5381% | 393 |
| Net loans and leases to deposits | 98.5103% | 843 |
| Net loans and leases to core deposits | 134.0971% | 253 |
| Total domestic deposits to total assets | 85.8165% | 2,463 |
| Equity capital to assets | 11.8351% | 2,056 |
| Core capital (leverage) ratio | 11.3810% | 2,064 |
| Tier 1 risk-based capital ratio | 12.8127% | 4,111 |
| Total risk-based capital ratio | 13.7731% | 4,190 |
| Memoranda: | ||
| Average total assets | $152,215,000 | 3,492 |
| Average earning assets | $145,566,330 | 3,421 |
| Average equity | $17,976,000 | 3,397 |
| Average total loans | $128,120,000 | 2,975 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,209 |
| Cost of funding earning assets | 0.5986% | 1,384 |
| Net interest margin | 3.6220% | 2,812 |
| Noninterest income to average assets | 0.1478% | 5,377 |
| Noninterest expense to average assets | 3.5474% | 978 |
| Loan and lease loss provision to assets | 0.9502% | 92 |
| Net operating income to assets | -0.6044% | 5,752 |
| Return on assets (ROA) | -0.6044% | 5,751 |
| Pretax return on assets | -0.8842% | 5,766 |
| Return on Equity (ROE) | -5.1238% | 5,739 |
| Retained earnings to average equity (ytd only) | -5.1238% | 5,395 |
| Net charge-offs to loans | -0.0537% | 5,216 |
| Credit loss provision to net charge-offs | -2,117.6471% | 4,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1738% | 263 |
| Assets per employee ($millions) | 6.9655% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 4,281 |
| Loan loss allowance to noncurrent loans | 88.9726% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 1,860 |
| Noncurrent loans to loans | 1.1247% | 1,814 |
| Net loans and leases to total assets | 83.8613% | 382 |
| Net loans and leases to deposits | 99.1054% | 677 |
| Net loans and leases to core deposits | 133.0803% | 224 |
| Total domestic deposits to total assets | 84.6182% | 3,255 |
| Equity capital to assets | 11.6132% | 2,104 |
| Core capital (leverage) ratio | 11.4997% | 1,950 |
| Tier 1 risk-based capital ratio | 12.6554% | 4,290 |
| Total risk-based capital ratio | 13.6223% | 4,373 |
| Memoranda: | ||
| Average total assets | $151,546,500 | 3,537 |
| Average earning assets | $145,003,000 | 3,463 |
| Average equity | $17,877,500 | 3,426 |
| Average total loans | $126,625,000 | 3,016 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 1,477 |
| Cost of funding earning assets | 0.5446% | 1,751 |
| Net interest margin | 3.9756% | 1,712 |
| Noninterest income to average assets | 0.2237% | 5,072 |
| Noninterest expense to average assets | 3.4417% | 1,274 |
| Loan and lease loss provision to assets | 0.0767% | 2,824 |
| Net operating income to assets | 0.3004% | 5,215 |
| Return on assets (ROA) | 0.3004% | 5,283 |
| Pretax return on assets | 0.4851% | 5,053 |
| Return on Equity (ROE) | 2.3839% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.3839% | 4,166 |
| Net charge-offs to loans | -0.0105% | 4,950 |
| Credit loss provision to net charge-offs | -900.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9677% | 825 |
| Assets per employee ($millions) | 6.5153% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 5,244 |
| Loan loss allowance to noncurrent loans | 61.5898% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 1,835 |
| Noncurrent loans to loans | 1.2127% | 1,697 |
| Net loans and leases to total assets | 81.7601% | 637 |
| Net loans and leases to deposits | 102.4192% | 507 |
| Net loans and leases to core deposits | 143.9701% | 150 |
| Total domestic deposits to total assets | 79.8289% | 4,605 |
| Equity capital to assets | 11.9844% | 1,820 |
| Core capital (leverage) ratio | 12.0080% | 1,594 |
| Tier 1 risk-based capital ratio | 13.3656% | 3,849 |
| Total risk-based capital ratio | 14.0843% | 4,077 |
| Memoranda: | ||
| Average total assets | $140,803,800 | 3,657 |
| Average earning assets | $133,866,400 | 3,589 |
| Average equity | $17,744,200 | 3,445 |
| Average total loans | $113,961,000 | 3,157 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 1,721 |
| Cost of funding earning assets | 0.5437% | 1,759 |
| Net interest margin | 3.8981% | 1,984 |
| Noninterest income to average assets | 0.2483% | 4,984 |
| Noninterest expense to average assets | 3.4242% | 1,304 |
| Loan and lease loss provision to assets | 0.0741% | 2,737 |
| Net operating income to assets | 0.2781% | 5,324 |
| Return on assets (ROA) | 0.2781% | 5,409 |
| Pretax return on assets | 0.4485% | 5,234 |
| Return on Equity (ROE) | 2.1781% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.1781% | 4,604 |
| Net charge-offs to loans | -0.0143% | 4,898 |
| Credit loss provision to net charge-offs | -641.6667% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7593% | 758 |
| Assets per employee ($millions) | 5.7544% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 5,220 |
| Loan loss allowance to noncurrent loans | 61.0274% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 1,869 |
| Noncurrent loans to loans | 1.2926% | 1,727 |
| Net loans and leases to total assets | 81.1383% | 737 |
| Net loans and leases to deposits | 98.7225% | 797 |
| Net loans and leases to core deposits | 133.0831% | 261 |
| Total domestic deposits to total assets | 82.1882% | 3,884 |
| Equity capital to assets | 13.0126% | 1,483 |
| Core capital (leverage) ratio | 12.4043% | 1,438 |
| Tier 1 risk-based capital ratio | 14.4010% | 3,333 |
| Total risk-based capital ratio | 15.1664% | 3,527 |
| Memoranda: | ||
| Average total assets | $138,541,500 | 3,717 |
| Average earning assets | $131,446,500 | 3,647 |
| Average equity | $17,690,500 | 3,480 |
| Average total loans | $111,590,750 | 3,204 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,183 |
| Cost of funding earning assets | 0.5433% | 1,756 |
| Net interest margin | 3.7468% | 2,528 |
| Noninterest income to average assets | 0.2754% | 4,815 |
| Noninterest expense to average assets | 3.4452% | 1,278 |
| Loan and lease loss provision to assets | 0.0620% | 2,894 |
| Net operating income to assets | 0.1932% | 5,535 |
| Return on assets (ROA) | 0.1932% | 5,591 |
| Pretax return on assets | 0.3187% | 5,474 |
| Return on Equity (ROE) | 1.5230% | 5,603 |
| Retained earnings to average equity (ytd only) | 1.5230% | 4,770 |
| Net charge-offs to loans | -0.0162% | 4,864 |
| Credit loss provision to net charge-offs | -477.7778% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0490% | 598 |
| Assets per employee ($millions) | 5.9098% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7771% | 5,330 |
| Loan loss allowance to noncurrent loans | 35.2601% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.8186% | 944 |
| Noncurrent loans to loans | 2.2038% | 854 |
| Net loans and leases to total assets | 80.2245% | 862 |
| Net loans and leases to deposits | 96.2879% | 1,050 |
| Net loans and leases to core deposits | 126.6990% | 358 |
| Total domestic deposits to total assets | 83.3174% | 3,536 |
| Equity capital to assets | 13.0917% | 1,447 |
| Core capital (leverage) ratio | 11.9458% | 1,663 |
| Tier 1 risk-based capital ratio | 14.5649% | 3,285 |
| Total risk-based capital ratio | 15.3139% | 3,485 |
| Memoranda: | ||
| Average total assets | $138,687,000 | 3,741 |
| Average earning assets | $131,419,330 | 3,666 |
| Average equity | $17,597,000 | 3,500 |
| Average total loans | $111,138,670 | 3,221 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 2,339 |
| Cost of funding earning assets | 0.5365% | 1,816 |
| Net interest margin | 3.7013% | 2,666 |
| Noninterest income to average assets | 0.2770% | 4,741 |
| Noninterest expense to average assets | 3.4955% | 1,188 |
| Loan and lease loss provision to assets | 0.1228% | 1,722 |
| Net operating income to assets | 0.0914% | 5,697 |
| Return on assets (ROA) | 0.0914% | 5,740 |
| Pretax return on assets | 0.1656% | 5,680 |
| Return on Equity (ROE) | 0.7315% | 5,735 |
| Retained earnings to average equity (ytd only) | 0.7315% | 4,925 |
| Net charge-offs to loans | -0.0537% | 5,364 |
| Credit loss provision to net charge-offs | -286.6667% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3774% | 525 |
| Assets per employee ($millions) | 5.8907% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 5,476 |
| Loan loss allowance to noncurrent loans | 26.6254% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 2.3200% | 674 |
| Noncurrent loans to loans | 2.8376% | 599 |
| Net loans and leases to total assets | 79.9069% | 829 |
| Net loans and leases to deposits | 94.9256% | 1,050 |
| Net loans and leases to core deposits | 126.1305% | 336 |
| Total domestic deposits to total assets | 84.1785% | 3,450 |
| Equity capital to assets | 12.4391% | 1,719 |
| Core capital (leverage) ratio | 11.8644% | 1,700 |
| Tier 1 risk-based capital ratio | 13.8993% | 3,756 |
| Total risk-based capital ratio | 14.6290% | 3,977 |
| Memoranda: | ||
| Average total assets | $140,067,500 | 3,742 |
| Average earning assets | $132,709,000 | 3,670 |
| Average equity | $17,498,000 | 3,513 |
| Average total loans | $111,758,000 | 3,214 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 1,827 |
| Cost of funding earning assets | 0.5669% | 1,617 |
| Net interest margin | 3.8554% | 2,179 |
| Noninterest income to average assets | 0.2680% | 4,953 |
| Noninterest expense to average assets | 3.0960% | 2,251 |
| Loan and lease loss provision to assets | -0.0314% | 5,696 |
| Net operating income to assets | 0.5316% | 4,578 |
| Return on assets (ROA) | 0.5375% | 4,637 |
| Pretax return on assets | 0.8583% | 3,992 |
| Return on Equity (ROE) | 4.4386% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.4386% | 2,826 |
| Net charge-offs to loans | 0.1598% | 1,776 |
| Credit loss provision to net charge-offs | -25.2874% | 5,003 |
| Earnings coverage of net charge-offs (x) | 6.5920% | 3,200 |
| Efficiency ratio | 79.1075% | 1,803 |
| Assets per employee ($millions) | 6.3072% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7312% | 5,578 |
| Loan loss allowance to noncurrent loans | 24.7149% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 2.3746% | 669 |
| Noncurrent loans to loans | 2.9584% | 547 |
| Net loans and leases to total assets | 78.4704% | 1,060 |
| Net loans and leases to deposits | 95.0562% | 1,110 |
| Net loans and leases to core deposits | 121.6418% | 436 |
| Total domestic deposits to total assets | 82.5516% | 3,998 |
| Equity capital to assets | 12.5470% | 1,601 |
| Core capital (leverage) ratio | 11.9238% | 1,664 |
| Tier 1 risk-based capital ratio | 14.5060% | 3,444 |
| Total risk-based capital ratio | 15.2157% | 3,660 |
| Memoranda: | ||
| Average total assets | $140,279,800 | 3,717 |
| Average earning assets | $132,646,200 | 3,653 |
| Average equity | $16,987,200 | 3,528 |
| Average total loans | $108,883,800 | 3,222 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 1,634 |
| Cost of funding earning assets | 0.5669% | 1,652 |
| Net interest margin | 3.9188% | 1,969 |
| Noninterest income to average assets | 0.1896% | 5,529 |
| Noninterest expense to average assets | 3.0740% | 2,283 |
| Loan and lease loss provision to assets | -0.0265% | 5,867 |
| Net operating income to assets | 0.5286% | 4,687 |
| Return on assets (ROA) | 0.5365% | 4,748 |
| Pretax return on assets | 0.8569% | 4,147 |
| Return on Equity (ROE) | 4.4703% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.4703% | 3,282 |
| Net charge-offs to loans | 0.0761% | 2,476 |
| Credit loss provision to net charge-offs | -45.1613% | 4,957 |
| Earnings coverage of net charge-offs (x) | 13.9202% | 2,282 |
| Efficiency ratio | 78.9820% | 1,810 |
| Assets per employee ($millions) | 6.0682% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 5,376 |
| Loan loss allowance to noncurrent loans | 48.7421% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4602% | 1,542 |
| Noncurrent loans to loans | 1.7398% | 1,378 |
| Net loans and leases to total assets | 77.9118% | 1,109 |
| Net loans and leases to deposits | 94.4859% | 1,141 |
| Net loans and leases to core deposits | 124.2743% | 370 |
| Total domestic deposits to total assets | 82.4587% | 4,003 |
| Equity capital to assets | 12.3918% | 1,802 |
| Core capital (leverage) ratio | 11.4663% | 2,061 |
| Tier 1 risk-based capital ratio | 14.1950% | 3,733 |
| Total risk-based capital ratio | 15.0153% | 3,924 |
| Memoranda: | ||
| Average total assets | $140,660,250 | 3,748 |
| Average earning assets | $132,893,750 | 3,678 |
| Average equity | $16,881,500 | 3,577 |
| Average total loans | $108,683,250 | 3,251 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,519 |
| Cost of funding earning assets | 0.5618% | 1,714 |
| Net interest margin | 3.9434% | 1,841 |
| Noninterest income to average assets | 0.1844% | 5,590 |
| Noninterest expense to average assets | 3.0605% | 2,361 |
| Loan and lease loss provision to assets | 0.0511% | 3,100 |
| Net operating income to assets | 0.4950% | 4,790 |
| Return on assets (ROA) | 0.4950% | 4,894 |
| Pretax return on assets | 0.7956% | 4,331 |
| Return on Equity (ROE) | 4.1687% | 4,955 |
| Retained earnings to average equity (ytd only) | 4.1687% | 3,376 |
| Net charge-offs to loans | 0.1181% | 1,825 |
| Credit loss provision to net charge-offs | 56.2500% | 2,636 |
| Earnings coverage of net charge-offs (x) | 9.3281% | 2,465 |
| Efficiency ratio | 78.3303% | 2,014 |
| Assets per employee ($millions) | 6.0652% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 5,251 |
| Loan loss allowance to noncurrent loans | 54.1485% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 1,663 |
| Noncurrent loans to loans | 1.6870% | 1,538 |
| Net loans and leases to total assets | 77.1353% | 1,195 |
| Net loans and leases to deposits | 91.4929% | 1,425 |
| Net loans and leases to core deposits | 117.5938% | 540 |
| Total domestic deposits to total assets | 84.3074% | 3,443 |
| Equity capital to assets | 12.1456% | 1,920 |
| Core capital (leverage) ratio | 11.1973% | 2,248 |
| Tier 1 risk-based capital ratio | 14.0679% | 3,886 |
| Total risk-based capital ratio | 14.9551% | 4,031 |
| Memoranda: | ||
| Average total assets | $141,024,330 | 3,769 |
| Average earning assets | $133,135,000 | 3,707 |
| Average equity | $16,743,670 | 3,603 |
| Average total loans | $108,354,330 | 3,281 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 1,662 |
| Cost of funding earning assets | 0.5557% | 1,795 |
| Net interest margin | 3.8723% | 1,987 |
| Noninterest income to average assets | 0.1439% | 5,886 |
| Noninterest expense to average assets | 3.3656% | 1,566 |
| Loan and lease loss provision to assets | 0.0677% | 2,588 |
| Net operating income to assets | 0.2088% | 5,666 |
| Return on assets (ROA) | 0.2088% | 5,755 |
| Pretax return on assets | 0.3667% | 5,503 |
| Return on Equity (ROE) | 1.7784% | 5,732 |
| Retained earnings to average equity (ytd only) | 1.7784% | 4,757 |
| Net charge-offs to loans | 0.2513% | 952 |
| Credit loss provision to net charge-offs | 35.2941% | 2,225 |
| Earnings coverage of net charge-offs (x) | 2.2647% | 2,794 |
| Efficiency ratio | 88.5672% | 970 |
| Assets per employee ($millions) | 5.9265% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 5,505 |
| Loan loss allowance to noncurrent loans | 45.9727% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.6599% | 1,523 |
| Noncurrent loans to loans | 1.9094% | 1,406 |
| Net loans and leases to total assets | 77.4819% | 997 |
| Net loans and leases to deposits | 93.1566% | 1,074 |
| Net loans and leases to core deposits | 117.8153% | 461 |
| Total domestic deposits to total assets | 83.1739% | 4,131 |
| Equity capital to assets | 11.8106% | 2,183 |
| Core capital (leverage) ratio | 11.4244% | 2,062 |
| Tier 1 risk-based capital ratio | 14.0831% | 3,951 |
| Total risk-based capital ratio | 14.9401% | 4,131 |
| Memoranda: | ||
| Average total assets | $141,787,000 | 3,781 |
| Average earning assets | $133,874,500 | 3,719 |
| Average equity | $16,644,000 | 3,638 |
| Average total loans | $108,234,000 | 3,297 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 2,121 |
| Cost of funding earning assets | 0.6101% | 1,679 |
| Net interest margin | 3.8225% | 2,540 |
| Noninterest income to average assets | 0.3048% | 4,932 |
| Noninterest expense to average assets | 3.2096% | 2,185 |
| Loan and lease loss provision to assets | -0.0497% | 6,037 |
| Net operating income to assets | 0.4586% | 4,975 |
| Return on assets (ROA) | 0.4604% | 5,060 |
| Pretax return on assets | 0.7404% | 4,477 |
| Return on Equity (ROE) | 4.0697% | 5,082 |
| Retained earnings to average equity (ytd only) | 4.0697% | 3,311 |
| Net charge-offs to loans | 0.0711% | 3,457 |
| Credit loss provision to net charge-offs | -95.8904% | 5,515 |
| Earnings coverage of net charge-offs (x) | 13.2603% | 2,287 |
| Efficiency ratio | 82.3519% | 1,621 |
| Assets per employee ($millions) | 5.8890% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 5,204 |
| Loan loss allowance to noncurrent loans | 133.6828% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 3,437 |
| Noncurrent loans to loans | 0.7247% | 3,513 |
| Net loans and leases to total assets | 73.7698% | 1,625 |
| Net loans and leases to deposits | 88.7285% | 1,647 |
| Net loans and leases to core deposits | 109.0936% | 823 |
| Total domestic deposits to total assets | 83.1410% | 4,024 |
| Equity capital to assets | 11.6664% | 2,287 |
| Core capital (leverage) ratio | 11.0064% | 2,406 |
| Tier 1 risk-based capital ratio | 14.5744% | 3,736 |
| Total risk-based capital ratio | 15.5428% | 3,832 |
| Memoranda: | ||
| Average total assets | $140,733,600 | 3,787 |
| Average earning assets | $132,269,200 | 3,715 |
| Average equity | $15,922,600 | 3,677 |
| Average total loans | $102,604,400 | 3,362 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 1,965 |
| Cost of funding earning assets | 0.6189% | 1,681 |
| Net interest margin | 3.8560% | 2,408 |
| Noninterest income to average assets | 0.2893% | 5,130 |
| Noninterest expense to average assets | 3.1629% | 2,285 |
| Loan and lease loss provision to assets | -0.0427% | 6,163 |
| Net operating income to assets | 0.4936% | 4,897 |
| Return on assets (ROA) | 0.4960% | 4,958 |
| Pretax return on assets | 0.7948% | 4,383 |
| Return on Equity (ROE) | 4.4187% | 5,001 |
| Retained earnings to average equity (ytd only) | 4.4187% | 3,507 |
| Net charge-offs to loans | 0.1007% | 2,796 |
| Credit loss provision to net charge-offs | -58.4416% | 5,369 |
| Earnings coverage of net charge-offs (x) | 10.2471% | 2,567 |
| Efficiency ratio | 80.8681% | 1,780 |
| Assets per employee ($millions) | 5.9308% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 5,201 |
| Loan loss allowance to noncurrent loans | 118.4300% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 3,680 |
| Noncurrent loans to loans | 0.8475% | 3,453 |
| Net loans and leases to total assets | 72.1374% | 1,824 |
| Net loans and leases to deposits | 87.1091% | 1,778 |
| Net loans and leases to core deposits | 109.6260% | 760 |
| Total domestic deposits to total assets | 82.8127% | 4,202 |
| Equity capital to assets | 11.3863% | 2,599 |
| Core capital (leverage) ratio | 10.7371% | 2,778 |
| Tier 1 risk-based capital ratio | 14.4021% | 3,942 |
| Total risk-based capital ratio | 15.4049% | 4,037 |
| Memoranda: | ||
| Average total assets | $140,582,750 | 3,817 |
| Average earning assets | $132,050,750 | 3,747 |
| Average equity | $15,781,000 | 3,721 |
| Average total loans | $101,934,500 | 3,413 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 1,719 |
| Cost of funding earning assets | 0.6274% | 1,661 |
| Net interest margin | 3.9074% | 2,131 |
| Noninterest income to average assets | 0.3443% | 4,667 |
| Noninterest expense to average assets | 3.1715% | 2,276 |
| Loan and lease loss provision to assets | -0.0171% | 6,245 |
| Net operating income to assets | 0.5400% | 4,649 |
| Return on assets (ROA) | 0.5400% | 4,745 |
| Pretax return on assets | 0.8557% | 4,055 |
| Return on Equity (ROE) | 4.8341% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.8341% | 3,069 |
| Net charge-offs to loans | 0.1283% | 2,386 |
| Credit loss provision to net charge-offs | -18.4615% | 5,099 |
| Earnings coverage of net charge-offs (x) | 9.0308% | 2,407 |
| Efficiency ratio | 79.0880% | 2,154 |
| Assets per employee ($millions) | 5.9500% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 5,090 |
| Loan loss allowance to noncurrent loans | 101.2116% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 3,592 |
| Noncurrent loans to loans | 1.0426% | 3,150 |
| Net loans and leases to total assets | 71.3086% | 1,863 |
| Net loans and leases to deposits | 86.8817% | 1,728 |
| Net loans and leases to core deposits | 108.8487% | 736 |
| Total domestic deposits to total assets | 82.0755% | 4,616 |
| Equity capital to assets | 11.2543% | 2,656 |
| Core capital (leverage) ratio | 10.6290% | 2,793 |
| Tier 1 risk-based capital ratio | 14.3236% | 4,050 |
| Total risk-based capital ratio | 15.3822% | 4,108 |
| Memoranda: | ||
| Average total assets | $139,997,670 | 3,851 |
| Average earning assets | $131,340,330 | 3,777 |
| Average equity | $15,639,000 | 3,748 |
| Average total loans | $101,339,330 | 3,429 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 1,371 |
| Cost of funding earning assets | 0.6340% | 1,698 |
| Net interest margin | 4.0163% | 1,704 |
| Noninterest income to average assets | 0.1674% | 5,975 |
| Noninterest expense to average assets | 3.2180% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4647% | 4,876 |
| Return on assets (ROA) | 0.4647% | 4,942 |
| Pretax return on assets | 0.7157% | 4,438 |
| Return on Equity (ROE) | 4.1756% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.1756% | 3,625 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8048% | 1,952 |
| Assets per employee ($millions) | 5.8087% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 4,901 |
| Loan loss allowance to noncurrent loans | 90.6469% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1405% | 2,972 |
| Noncurrent loans to loans | 1.2613% | 2,927 |
| Net loans and leases to total assets | 72.1300% | 1,560 |
| Net loans and leases to deposits | 85.7641% | 1,628 |
| Net loans and leases to core deposits | 106.4187% | 742 |
| Total domestic deposits to total assets | 84.1028% | 4,237 |
| Equity capital to assets | 11.2110% | 2,511 |
| Core capital (leverage) ratio | 10.4300% | 3,015 |
| Tier 1 risk-based capital ratio | 14.2378% | 4,171 |
| Total risk-based capital ratio | 15.3909% | 4,179 |
| Memoranda: | ||
| Average total assets | $138,597,000 | 3,907 |
| Average earning assets | $129,970,000 | 3,833 |
| Average equity | $15,423,000 | 3,789 |
| Average total loans | $100,552,000 | 3,457 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 1,567 |
| Cost of funding earning assets | 0.6453% | 2,248 |
| Net interest margin | 4.0572% | 1,781 |
| Noninterest income to average assets | 0.1010% | 6,384 |
| Noninterest expense to average assets | 3.0125% | 3,021 |
| Loan and lease loss provision to assets | 0.0596% | 3,946 |
| Net operating income to assets | 0.5240% | 4,623 |
| Return on assets (ROA) | 0.5172% | 4,791 |
| Pretax return on assets | 0.7950% | 4,164 |
| Return on Equity (ROE) | 4.8121% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.8121% | 2,724 |
| Net charge-offs to loans | 0.0675% | 4,268 |
| Credit loss provision to net charge-offs | 123.1884% | 1,931 |
| Earnings coverage of net charge-offs (x) | 17.8696% | 1,692 |
| Efficiency ratio | 77.6873% | 2,514 |
| Assets per employee ($millions) | 5.7411% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 4,810 |
| Loan loss allowance to noncurrent loans | 95.8780% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.8804% | 3,689 |
| Noncurrent loans to loans | 1.2205% | 3,104 |
| Net loans and leases to total assets | 71.2866% | 1,795 |
| Net loans and leases to deposits | 84.2284% | 1,905 |
| Net loans and leases to core deposits | 103.5201% | 941 |
| Total domestic deposits to total assets | 84.6349% | 3,912 |
| Equity capital to assets | 11.0439% | 2,573 |
| Core capital (leverage) ratio | 10.5409% | 2,868 |
| Tier 1 risk-based capital ratio | 14.3955% | 4,017 |
| Total risk-based capital ratio | 15.5819% | 4,006 |
| Memoranda: | ||
| Average total assets | $142,507,400 | 3,837 |
| Average earning assets | $132,653,600 | 3,781 |
| Average equity | $15,315,400 | 3,810 |
| Average total loans | $102,261,200 | 3,396 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 1,398 |
| Cost of funding earning assets | 0.6573% | 2,305 |
| Net interest margin | 4.1195% | 1,574 |
| Noninterest income to average assets | -0.0028% | 6,762 |
| Noninterest expense to average assets | 2.9044% | 3,295 |
| Loan and lease loss provision to assets | 0.0668% | 3,717 |
| Net operating income to assets | 0.5547% | 4,560 |
| Return on assets (ROA) | 0.5456% | 4,742 |
| Pretax return on assets | 0.8388% | 4,148 |
| Return on Equity (ROE) | 5.1107% | 4,669 |
| Retained earnings to average equity (ytd only) | 5.1107% | 2,998 |
| Net charge-offs to loans | 0.1023% | 3,517 |
| Credit loss provision to net charge-offs | 91.1392% | 2,608 |
| Earnings coverage of net charge-offs (x) | 12.5444% | 2,128 |
| Efficiency ratio | 75.9524% | 2,741 |
| Assets per employee ($millions) | 5.6614% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 4,962 |
| Loan loss allowance to noncurrent loans | 76.2032% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3866% | 2,881 |
| Noncurrent loans to loans | 1.5499% | 2,843 |
| Net loans and leases to total assets | 70.1974% | 1,930 |
| Net loans and leases to deposits | 84.9483% | 1,750 |
| Net loans and leases to core deposits | 101.6368% | 1,018 |
| Total domestic deposits to total assets | 82.6354% | 4,707 |
| Equity capital to assets | 11.2693% | 2,497 |
| Core capital (leverage) ratio | 10.2991% | 3,244 |
| Tier 1 risk-based capital ratio | 14.7531% | 3,914 |
| Total risk-based capital ratio | 15.9482% | 3,913 |
| Memoranda: | ||
| Average total assets | $143,687,750 | 3,853 |
| Average earning assets | $133,477,250 | 3,806 |
| Average equity | $15,340,000 | 3,851 |
| Average total loans | $102,980,000 | 3,405 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 1,013 |
| Cost of funding earning assets | 0.6693% | 2,325 |
| Net interest margin | 4.2738% | 1,084 |
| Noninterest income to average assets | -0.0314% | 6,830 |
| Noninterest expense to average assets | 2.8819% | 3,395 |
| Loan and lease loss provision to assets | 0.1271% | 2,728 |
| Net operating income to assets | 0.5985% | 4,287 |
| Return on assets (ROA) | 0.5851% | 4,550 |
| Pretax return on assets | 0.9023% | 3,902 |
| Return on Equity (ROE) | 5.5768% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.5768% | 2,689 |
| Net charge-offs to loans | 0.2302% | 2,345 |
| Credit loss provision to net charge-offs | 76.8595% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.3471% | 2,732 |
| Efficiency ratio | 73.2962% | 3,262 |
| Assets per employee ($millions) | 6.2264% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 5,500 |
| Loan loss allowance to noncurrent loans | 53.0583% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 1.7695% | 2,460 |
| Noncurrent loans to loans | 2.0455% | 2,343 |
| Net loans and leases to total assets | 71.2151% | 1,688 |
| Net loans and leases to deposits | 87.6002% | 1,392 |
| Net loans and leases to core deposits | 105.1327% | 788 |
| Total domestic deposits to total assets | 81.2956% | 5,266 |
| Equity capital to assets | 10.6091% | 3,164 |
| Core capital (leverage) ratio | 9.8858% | 3,666 |
| Tier 1 risk-based capital ratio | 13.6295% | 4,688 |
| Total risk-based capital ratio | 14.7737% | 4,711 |
| Memoranda: | ||
| Average total assets | $146,292,330 | 3,831 |
| Average earning assets | $135,664,000 | 3,796 |
| Average equity | $15,349,330 | 3,883 |
| Average total loans | $105,133,330 | 3,381 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 2,835 |
| Cost of funding earning assets | 0.6603% | 2,563 |
| Net interest margin | 3.6537% | 3,064 |
| Noninterest income to average assets | 0.1678% | 6,260 |
| Noninterest expense to average assets | 2.8302% | 3,599 |
| Loan and lease loss provision to assets | 0.2516% | 1,426 |
| Net operating income to assets | 0.2884% | 5,604 |
| Return on assets (ROA) | 0.2625% | 5,812 |
| Pretax return on assets | 0.4140% | 5,523 |
| Return on Equity (ROE) | 2.5150% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.5150% | 4,766 |
| Net charge-offs to loans | 0.5841% | 1,041 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 1.6839% | 3,271 |
| Efficiency ratio | 80.0306% | 2,328 |
| Assets per employee ($millions) | 6.0926% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 5,724 |
| Loan loss allowance to noncurrent loans | 47.8395% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.0196% | 2,319 |
| Noncurrent loans to loans | 2.2318% | 2,350 |
| Net loans and leases to total assets | 71.7460% | 1,395 |
| Net loans and leases to deposits | 84.3495% | 1,553 |
| Net loans and leases to core deposits | 98.7632% | 1,028 |
| Total domestic deposits to total assets | 85.0581% | 4,012 |
| Equity capital to assets | 11.0398% | 2,912 |
| Core capital (leverage) ratio | 9.3439% | 4,337 |
| Tier 1 risk-based capital ratio | 13.2698% | 5,037 |
| Total risk-based capital ratio | 14.3994% | 5,059 |
| Memoranda: | ||
| Average total assets | $147,835,000 | 3,849 |
| Average earning assets | $136,298,500 | 3,821 |
| Average equity | $15,427,500 | 3,915 |
| Average total loans | $106,148,000 | 3,381 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 3,870 |
| Cost of funding earning assets | 0.8877% | 2,009 |
| Net interest margin | 3.4992% | 4,507 |
| Noninterest income to average assets | 0.1224% | 6,423 |
| Noninterest expense to average assets | 2.8508% | 3,842 |
| Loan and lease loss provision to assets | 0.1656% | 3,538 |
| Net operating income to assets | 0.1856% | 5,817 |
| Return on assets (ROA) | 0.2739% | 5,771 |
| Pretax return on assets | 0.4494% | 5,426 |
| Return on Equity (ROE) | 2.5520% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.5520% | 4,432 |
| Net charge-offs to loans | 0.8433% | 1,369 |
| Credit loss provision to net charge-offs | 28.5366% | 5,143 |
| Earnings coverage of net charge-offs (x) | 0.8220% | 5,063 |
| Efficiency ratio | 85.6657% | 1,461 |
| Assets per employee ($millions) | 7.4067% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 5,829 |
| Loan loss allowance to noncurrent loans | 30.8085% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 2.7549% | 1,746 |
| Noncurrent loans to loans | 3.3639% | 1,507 |
| Net loans and leases to total assets | 70.4168% | 1,758 |
| Net loans and leases to deposits | 80.8628% | 2,167 |
| Net loans and leases to core deposits | 93.1843% | 1,536 |
| Total domestic deposits to total assets | 87.0819% | 2,796 |
| Equity capital to assets | 9.8913% | 4,324 |
| Core capital (leverage) ratio | 9.2634% | 4,481 |
| Tier 1 risk-based capital ratio | 13.4623% | 4,777 |
| Total risk-based capital ratio | 14.6914% | 4,750 |
| Memoranda: | ||
| Average total assets | $141,294,000 | 3,927 |
| Average earning assets | $129,431,400 | 3,914 |
| Average equity | $15,164,600 | 3,927 |
| Average total loans | $97,242,000 | 3,589 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 3,553 |
| Cost of funding earning assets | 0.9572% | 1,810 |
| Net interest margin | 3.5640% | 4,381 |
| Noninterest income to average assets | 0.1665% | 6,309 |
| Noninterest expense to average assets | 2.8983% | 3,606 |
| Loan and lease loss provision to assets | 0.0900% | 4,480 |
| Net operating income to assets | 0.2885% | 5,651 |
| Return on assets (ROA) | 0.2885% | 5,853 |
| Pretax return on assets | 0.4472% | 5,606 |
| Return on Equity (ROE) | 2.6296% | 5,831 |
| Retained earnings to average equity (ytd only) | 2.6296% | 4,987 |
| Net charge-offs to loans | 0.6291% | 1,743 |
| Credit loss provision to net charge-offs | 20.9932% | 4,940 |
| Earnings coverage of net charge-offs (x) | 1.2528% | 4,658 |
| Efficiency ratio | 84.3618% | 1,549 |
| Assets per employee ($millions) | 6.7854% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 4,127 |
| Loan loss allowance to noncurrent loans | 35.4071% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 3.5082% | 1,424 |
| Noncurrent loans to loans | 4.1147% | 1,225 |
| Net loans and leases to total assets | 65.6477% | 2,718 |
| Net loans and leases to deposits | 76.5650% | 2,902 |
| Net loans and leases to core deposits | 88.2765% | 2,182 |
| Total domestic deposits to total assets | 85.7412% | 3,392 |
| Equity capital to assets | 10.8671% | 3,425 |
| Core capital (leverage) ratio | 9.5348% | 4,218 |
| Tier 1 risk-based capital ratio | 13.3652% | 4,977 |
| Total risk-based capital ratio | 14.6179% | 4,932 |
| Memoranda: | ||
| Average total assets | $137,732,250 | 4,032 |
| Average earning assets | $126,335,500 | 4,010 |
| Average equity | $15,109,500 | 3,976 |
| Average total loans | $93,884,000 | 3,697 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 3,359 |
| Cost of funding earning assets | 1.0100% | 1,709 |
| Net interest margin | 3.5904% | 4,300 |
| Noninterest income to average assets | 0.1601% | 6,387 |
| Noninterest expense to average assets | 2.9483% | 3,446 |
| Loan and lease loss provision to assets | 0.1205% | 4,021 |
| Net operating income to assets | 0.2350% | 5,808 |
| Return on assets (ROA) | 0.2350% | 5,998 |
| Pretax return on assets | 0.3658% | 5,790 |
| Return on Equity (ROE) | 2.1356% | 5,999 |
| Retained earnings to average equity (ytd only) | 2.1356% | 5,123 |
| Net charge-offs to loans | 0.9045% | 1,220 |
| Credit loss provision to net charge-offs | 19.3853% | 4,615 |
| Earnings coverage of net charge-offs (x) | 0.7825% | 4,667 |
| Efficiency ratio | 85.8426% | 1,451 |
| Assets per employee ($millions) | 7.2292% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 4,277 |
| Loan loss allowance to noncurrent loans | 34.1176% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 3.7662% | 1,376 |
| Noncurrent loans to loans | 4.2272% | 1,281 |
| Net loans and leases to total assets | 69.2554% | 2,063 |
| Net loans and leases to deposits | 82.3094% | 2,076 |
| Net loans and leases to core deposits | 96.7494% | 1,377 |
| Total domestic deposits to total assets | 84.1403% | 4,253 |
| Equity capital to assets | 11.0852% | 3,030 |
| Core capital (leverage) ratio | 9.7283% | 3,796 |
| Tier 1 risk-based capital ratio | 13.0674% | 5,138 |
| Total risk-based capital ratio | 14.3201% | 5,116 |
| Memoranda: | ||
| Average total assets | $136,145,000 | 4,070 |
| Average earning assets | $124,163,330 | 4,073 |
| Average equity | $14,984,330 | 3,992 |
| Average total loans | $93,536,330 | 3,722 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 3,783 |
| Cost of funding earning assets | 1.0234% | 1,848 |
| Net interest margin | 3.5097% | 4,646 |
| Noninterest income to average assets | 0.1771% | 6,321 |
| Noninterest expense to average assets | 3.0072% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2567% | 5,792 |
| Return on assets (ROA) | 0.2567% | 5,949 |
| Pretax return on assets | 0.3984% | 5,733 |
| Return on Equity (ROE) | 2.3413% | 5,966 |
| Retained earnings to average equity (ytd only) | 2.3413% | 5,090 |
| Net charge-offs to loans | 1.4819% | 678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3959% | 4,159 |
| Efficiency ratio | 88.3016% | 1,251 |
| Assets per employee ($millions) | 7.1389% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 4,345 |
| Loan loss allowance to noncurrent loans | 34.1763% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 3.8086% | 1,466 |
| Noncurrent loans to loans | 4.2669% | 1,404 |
| Net loans and leases to total assets | 69.3475% | 1,878 |
| Net loans and leases to deposits | 82.3020% | 1,894 |
| Net loans and leases to core deposits | 95.1034% | 1,367 |
| Total domestic deposits to total assets | 84.2598% | 4,374 |
| Equity capital to assets | 11.0004% | 2,906 |
| Core capital (leverage) ratio | 9.4837% | 4,074 |
| Tier 1 risk-based capital ratio | 13.0449% | 5,182 |
| Total risk-based capital ratio | 14.2978% | 5,144 |
| Memoranda: | ||
| Average total assets | $135,540,500 | 4,116 |
| Average earning assets | $124,682,500 | 4,096 |
| Average equity | $14,863,500 | 4,021 |
| Average total loans | $92,046,000 | 3,777 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 3,985 |
| Cost of funding earning assets | 1.3393% | 1,294 |
| Net interest margin | 3.4202% | 5,425 |
| Noninterest income to average assets | 0.1574% | 6,361 |
| Noninterest expense to average assets | 2.7953% | 4,367 |
| Loan and lease loss provision to assets | 0.2528% | 3,679 |
| Net operating income to assets | 0.1555% | 5,718 |
| Return on assets (ROA) | 0.1760% | 5,800 |
| Pretax return on assets | 0.2782% | 5,614 |
| Return on Equity (ROE) | 1.6382% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.6382% | 5,040 |
| Net charge-offs to loans | -0.0433% | 7,039 |
| Credit loss provision to net charge-offs | -847.5000% | 6,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8540% | 1,677 |
| Assets per employee ($millions) | 7.9671% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 2,406 |
| Loan loss allowance to noncurrent loans | 40.2462% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 3.9862% | 1,442 |
| Noncurrent loans to loans | 4.8580% | 1,187 |
| Net loans and leases to total assets | 64.1637% | 3,153 |
| Net loans and leases to deposits | 75.6529% | 3,228 |
| Net loans and leases to core deposits | 88.0041% | 2,376 |
| Total domestic deposits to total assets | 84.8133% | 3,947 |
| Equity capital to assets | 10.9317% | 3,043 |
| Core capital (leverage) ratio | 9.0768% | 4,656 |
| Tier 1 risk-based capital ratio | 13.6763% | 4,572 |
| Total risk-based capital ratio | 14.9363% | 4,526 |
| Memoranda: | ||
| Average total assets | $134,080,600 | 4,091 |
| Average earning assets | $122,973,800 | 4,072 |
| Average equity | $14,405,800 | 4,029 |
| Average total loans | $92,329,600 | 3,803 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8481% | 3,795 |
| Cost of funding earning assets | 1.3990% | 1,234 |
| Net interest margin | 3.4491% | 5,396 |
| Noninterest income to average assets | 0.1605% | 6,443 |
| Noninterest expense to average assets | 2.8692% | 4,063 |
| Loan and lease loss provision to assets | 0.0389% | 5,953 |
| Net operating income to assets | 0.2670% | 5,523 |
| Return on assets (ROA) | 0.2791% | 5,634 |
| Pretax return on assets | 0.4347% | 5,360 |
| Return on Equity (ROE) | 2.6096% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.6096% | 4,799 |
| Net charge-offs to loans | -0.1058% | 7,177 |
| Credit loss provision to net charge-offs | -52.7027% | 6,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3227% | 1,501 |
| Assets per employee ($millions) | 8.0645% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 3,614 |
| Loan loss allowance to noncurrent loans | 34.8953% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 3.8797% | 1,589 |
| Noncurrent loans to loans | 4.6136% | 1,398 |
| Net loans and leases to total assets | 65.3953% | 3,033 |
| Net loans and leases to deposits | 79.9171% | 2,664 |
| Net loans and leases to core deposits | 92.5099% | 1,936 |
| Total domestic deposits to total assets | 81.8289% | 5,154 |
| Equity capital to assets | 10.9040% | 3,237 |
| Core capital (leverage) ratio | 9.1748% | 4,667 |
| Tier 1 risk-based capital ratio | 13.3886% | 4,817 |
| Total risk-based capital ratio | 14.6441% | 4,781 |
| Memoranda: | ||
| Average total assets | $133,740,500 | 4,120 |
| Average earning assets | $122,657,000 | 4,103 |
| Average equity | $14,305,750 | 4,075 |
| Average total loans | $93,252,750 | 3,813 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 3,424 |
| Cost of funding earning assets | 1.4371% | 1,247 |
| Net interest margin | 3.5063% | 5,135 |
| Noninterest income to average assets | 0.1810% | 6,364 |
| Noninterest expense to average assets | 2.8668% | 4,159 |
| Loan and lease loss provision to assets | 0.0588% | 5,574 |
| Net operating income to assets | 0.2999% | 5,376 |
| Return on assets (ROA) | 0.3182% | 5,430 |
| Pretax return on assets | 0.4961% | 5,087 |
| Return on Equity (ROE) | 2.9947% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.9947% | 4,371 |
| Net charge-offs to loans | -0.1575% | 7,263 |
| Credit loss provision to net charge-offs | -52.7027% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4889% | 1,762 |
| Assets per employee ($millions) | 7.4521% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 3,901 |
| Loan loss allowance to noncurrent loans | 63.6167% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.5780% | 2,587 |
| Noncurrent loans to loans | 2.4384% | 2,948 |
| Net loans and leases to total assets | 69.4089% | 2,339 |
| Net loans and leases to deposits | 84.5545% | 2,026 |
| Net loans and leases to core deposits | 98.5645% | 1,464 |
| Total domestic deposits to total assets | 82.0877% | 5,136 |
| Equity capital to assets | 10.8829% | 3,086 |
| Core capital (leverage) ratio | 9.5800% | 3,847 |
| Tier 1 risk-based capital ratio | 13.0993% | 4,837 |
| Total risk-based capital ratio | 14.3534% | 4,808 |
| Memoranda: | ||
| Average total assets | $132,621,670 | 4,172 |
| Average earning assets | $121,495,670 | 4,158 |
| Average equity | $14,091,330 | 4,107 |
| Average total loans | $93,963,000 | 3,839 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 2,659 |
| Cost of funding earning assets | 1.4614% | 1,327 |
| Net interest margin | 3.6369% | 4,389 |
| Noninterest income to average assets | 0.1972% | 6,311 |
| Noninterest expense to average assets | 2.8545% | 4,247 |
| Loan and lease loss provision to assets | 0.0121% | 5,762 |
| Net operating income to assets | 0.4216% | 4,846 |
| Return on assets (ROA) | 0.4216% | 4,935 |
| Pretax return on assets | 0.6522% | 4,480 |
| Return on Equity (ROE) | 4.0179% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.0179% | 3,761 |
| Net charge-offs to loans | -0.3160% | 7,345 |
| Credit loss provision to net charge-offs | -5.4054% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1207% | 2,351 |
| Assets per employee ($millions) | 6.8633% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 4,015 |
| Loan loss allowance to noncurrent loans | 162.5426% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.5590% | 3,912 |
| Noncurrent loans to loans | 0.9463% | 5,142 |
| Net loans and leases to total assets | 70.2934% | 2,071 |
| Net loans and leases to deposits | 85.6793% | 1,783 |
| Net loans and leases to core deposits | 98.0699% | 1,520 |
| Total domestic deposits to total assets | 82.0425% | 5,298 |
| Equity capital to assets | 10.6847% | 3,003 |
| Core capital (leverage) ratio | 9.5532% | 3,719 |
| Tier 1 risk-based capital ratio | 13.2313% | 4,633 |
| Total risk-based capital ratio | 14.4870% | 4,609 |
| Memoranda: | ||
| Average total assets | $131,864,000 | 4,217 |
| Average earning assets | $120,432,000 | 4,210 |
| Average equity | $13,838,000 | 4,144 |
| Average total loans | $93,659,500 | 3,888 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0971% | 4,110 |
| Cost of funding earning assets | 1.7785% | 1,261 |
| Net interest margin | 3.3186% | 5,917 |
| Noninterest income to average assets | 0.2316% | 6,145 |
| Noninterest expense to average assets | 3.0790% | 3,551 |
| Loan and lease loss provision to assets | 0.2212% | 5,060 |
| Net operating income to assets | 2.0857% | 239 |
| Return on assets (ROA) | 2.2320% | 187 |
| Pretax return on assets | 0.1335% | 5,635 |
| Return on Equity (ROE) | 24.8411% | 105 |
| Retained earnings to average equity (ytd only) | 24.8411% | 26 |
| Net charge-offs to loans | 0.0011% | 6,847 |
| Credit loss provision to net charge-offs | 27,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 259.0000% | 88 |
| Efficiency ratio | 93.6628% | 1,077 |
| Assets per employee ($millions) | 7.0172% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,338 |
| Loan loss allowance to noncurrent loans | 151.9641% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5323% | 4,018 |
| Noncurrent loans to loans | 0.9456% | 5,155 |
| Net loans and leases to total assets | 69.6556% | 2,615 |
| Net loans and leases to deposits | 84.6071% | 2,358 |
| Net loans and leases to core deposits | 97.9383% | 1,805 |
| Total domestic deposits to total assets | 82.3283% | 5,080 |
| Equity capital to assets | 10.3078% | 3,381 |
| Core capital (leverage) ratio | 9.3275% | 3,965 |
| Tier 1 risk-based capital ratio | 12.8253% | 4,754 |
| Total risk-based capital ratio | 14.0796% | 4,711 |
| Memoranda: | ||
| Average total assets | $124,325,600 | 4,394 |
| Average earning assets | $114,477,000 | 4,361 |
| Average equity | $11,171,000 | 4,822 |
| Average total loans | $93,055,600 | 3,979 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0775% | 4,440 |
| Cost of funding earning assets | 1.8274% | 1,314 |
| Net interest margin | 3.2501% | 6,167 |
| Noninterest income to average assets | 0.2425% | 6,155 |
| Noninterest expense to average assets | 3.1641% | 3,054 |
| Loan and lease loss provision to assets | 0.2567% | 4,527 |
| Net operating income to assets | -0.1791% | 6,293 |
| Return on assets (ROA) | 0.0022% | 6,119 |
| Pretax return on assets | 0.0022% | 6,081 |
| Return on Equity (ROE) | 0.0254% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.0254% | 5,768 |
| Net charge-offs to loans | 0.0029% | 6,642 |
| Credit loss provision to net charge-offs | 11,750.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 35.4532% | 766 |
| Efficiency ratio | 97.6078% | 834 |
| Assets per employee ($millions) | 7.2927% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 4,594 |
| Loan loss allowance to noncurrent loans | 146.3768% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.9563% | 3,529 |
| Noncurrent loans to loans | 0.9401% | 5,353 |
| Net loans and leases to total assets | 71.6846% | 2,324 |
| Net loans and leases to deposits | 84.6168% | 2,594 |
| Net loans and leases to core deposits | 98.7087% | 1,967 |
| Total domestic deposits to total assets | 84.7168% | 3,767 |
| Equity capital to assets | 8.4179% | 6,373 |
| Core capital (leverage) ratio | 8.6007% | 5,346 |
| Tier 1 risk-based capital ratio | 11.6629% | 5,767 |
| Total risk-based capital ratio | 12.9148% | 5,747 |
| Memoranda: | ||
| Average total assets | $122,075,500 | 4,502 |
| Average earning assets | $112,651,500 | 4,467 |
| Average equity | $10,528,000 | 5,046 |
| Average total loans | $92,763,750 | 4,059 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1223% | 4,335 |
| Cost of funding earning assets | 1.9181% | 1,171 |
| Net interest margin | 3.2042% | 6,306 |
| Noninterest income to average assets | 0.1378% | 6,893 |
| Noninterest expense to average assets | 3.2047% | 2,881 |
| Loan and lease loss provision to assets | 0.3865% | 3,402 |
| Net operating income to assets | -0.5058% | 6,655 |
| Return on assets (ROA) | -0.2269% | 6,432 |
| Pretax return on assets | -0.2269% | 6,360 |
| Return on Equity (ROE) | -2.6077% | 6,478 |
| Retained earnings to average equity (ytd only) | -2.6077% | 6,242 |
| Net charge-offs to loans | 0.0044% | 6,313 |
| Credit loss provision to net charge-offs | 11,500.0000% | 31 |
| Earnings coverage of net charge-offs (x) | -35.5000% | 6,351 |
| Efficiency ratio | 103.8671% | 686 |
| Assets per employee ($millions) | 6.1242% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 4,585 |
| Loan loss allowance to noncurrent loans | 441.8919% | 712 |
| Noncurrent assets plus other real estate owned to assets | 1.6476% | 3,960 |
| Noncurrent loans to loans | 0.3098% | 6,608 |
| Net loans and leases to total assets | 76.9478% | 1,300 |
| Net loans and leases to deposits | 92.0445% | 1,521 |
| Net loans and leases to core deposits | 110.8552% | 1,112 |
| Total domestic deposits to total assets | 83.5985% | 4,290 |
| Equity capital to assets | 8.9465% | 5,529 |
| Core capital (leverage) ratio | 9.1979% | 4,304 |
| Tier 1 risk-based capital ratio | 11.5340% | 5,732 |
| Total risk-based capital ratio | 12.7854% | 5,709 |
| Memoranda: | ||
| Average total assets | $119,011,330 | 4,595 |
| Average earning assets | $109,482,000 | 4,570 |
| Average equity | $10,354,000 | 5,099 |
| Average total loans | $91,881,000 | 4,108 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9608% | 5,192 |
| Cost of funding earning assets | 2.1218% | 751 |
| Net interest margin | 2.8390% | 7,120 |
| Noninterest income to average assets | 0.1364% | 6,998 |
| Noninterest expense to average assets | 3.3391% | 2,398 |
| Loan and lease loss provision to assets | 0.4741% | 2,605 |
| Net operating income to assets | -1.0710% | 7,148 |
| Return on assets (ROA) | -0.5048% | 6,858 |
| Pretax return on assets | -0.5048% | 6,787 |
| Return on Equity (ROE) | -5.8894% | 6,934 |
| Retained earnings to average equity (ytd only) | -5.8894% | 6,654 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7662% | 425 |
| Assets per employee ($millions) | 7.0599% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 4,819 |
| Loan loss allowance to noncurrent loans | 406.3333% | 778 |
| Noncurrent assets plus other real estate owned to assets | 1.8689% | 3,678 |
| Noncurrent loans to loans | 0.3251% | 6,650 |
| Net loans and leases to total assets | 75.8778% | 1,570 |
| Net loans and leases to deposits | 96.6290% | 1,031 |
| Net loans and leases to core deposits | 116.1080% | 942 |
| Total domestic deposits to total assets | 78.5249% | 6,201 |
| Equity capital to assets | 8.9203% | 5,389 |
| Core capital (leverage) ratio | 9.3040% | 4,048 |
| Tier 1 risk-based capital ratio | 11.8204% | 5,375 |
| Total risk-based capital ratio | 13.0713% | 5,317 |
| Memoranda: | ||
| Average total assets | $117,275,500 | 4,686 |
| Average earning assets | $107,643,000 | 4,666 |
| Average equity | $10,052,000 | 5,223 |
| Average total loans | $90,043,500 | 4,197 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9903% | 6,465 |
| Cost of funding earning assets | 2.4978% | 1,030 |
| Net interest margin | 2.4925% | 7,435 |
| Noninterest income to average assets | 0.2237% | 6,512 |
| Noninterest expense to average assets | 3.6948% | 1,925 |
| Loan and lease loss provision to assets | 0.7150% | 2,971 |
| Net operating income to assets | -1.8853% | 7,043 |
| Return on assets (ROA) | -1.8406% | 7,023 |
| Pretax return on assets | -1.8406% | 6,877 |
| Return on Equity (ROE) | -21.8936% | 7,204 |
| Retained earnings to average equity (ytd only) | -21.8936% | 7,175 |
| Net charge-offs to loans | 0.9635% | 2,479 |
| Credit loss provision to net charge-offs | 94.1101% | 5,845 |
| Earnings coverage of net charge-offs (x) | -1.5403% | 6,964 |
| Efficiency ratio | 146.3584% | 343 |
| Assets per employee ($millions) | 5.7267% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 5,174 |
| Loan loss allowance to noncurrent loans | 360.0000% | 908 |
| Noncurrent assets plus other real estate owned to assets | 1.9584% | 3,447 |
| Noncurrent loans to loans | 0.3417% | 6,594 |
| Net loans and leases to total assets | 75.7170% | 1,876 |
| Net loans and leases to deposits | 93.7149% | 1,638 |
| Net loans and leases to core deposits | 157.9071% | 366 |
| Total domestic deposits to total assets | 80.7951% | 5,406 |
| Equity capital to assets | 8.2055% | 6,335 |
| Core capital (leverage) ratio | 8.2949% | 5,631 |
| Tier 1 risk-based capital ratio | 10.4651% | 6,438 |
| Total risk-based capital ratio | 11.7140% | 6,406 |
| Memoranda: | ||
| Average total assets | $102,794,000 | 5,017 |
| Average earning assets | $94,883,600 | 4,978 |
| Average equity | $8,641,800 | 5,721 |
| Average total loans | $81,056,600 | 4,469 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 6,692 |
| Cost of funding earning assets | 2.5695% | 1,106 |
| Net interest margin | 2.4020% | 7,560 |
| Noninterest income to average assets | 0.2590% | 6,379 |
| Noninterest expense to average assets | 3.4928% | 2,302 |
| Loan and lease loss provision to assets | 0.6889% | 2,673 |
| Net operating income to assets | -1.7024% | 7,193 |
| Return on assets (ROA) | -1.6409% | 7,168 |
| Pretax return on assets | -1.6409% | 7,024 |
| Return on Equity (ROE) | -19.3858% | 7,353 |
| Retained earnings to average equity (ytd only) | -19.3858% | 7,318 |
| Net charge-offs to loans | 0.4720% | 3,337 |
| Credit loss provision to net charge-offs | 183.6299% | 2,488 |
| Earnings coverage of net charge-offs (x) | -2.7010% | 6,790 |
| Efficiency ratio | 140.8724% | 373 |
| Assets per employee ($millions) | 5.4288% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,131 |
| Loan loss allowance to noncurrent loans | 53.5616% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.9113% | 2,381 |
| Noncurrent loans to loans | 2.9265% | 2,606 |
| Net loans and leases to total assets | 78.7163% | 1,443 |
| Net loans and leases to deposits | 93.0223% | 2,056 |
| Net loans and leases to core deposits | 146.7119% | 665 |
| Total domestic deposits to total assets | 84.6209% | 3,422 |
| Equity capital to assets | 7.1996% | 7,490 |
| Core capital (leverage) ratio | 7.1473% | 7,306 |
| Tier 1 risk-based capital ratio | 8.8403% | 7,668 |
| Total risk-based capital ratio | 10.0939% | 7,695 |
| Memoranda: | ||
| Average total assets | $99,859,250 | 5,127 |
| Average earning assets | $92,310,500 | 5,090 |
| Average equity | $8,452,750 | 5,833 |
| Average total loans | $79,370,500 | 4,567 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9552% | 6,908 |
| Cost of funding earning assets | 2.6329% | 1,205 |
| Net interest margin | 2.3222% | 7,660 |
| Noninterest income to average assets | 0.2723% | 6,325 |
| Noninterest expense to average assets | 3.5749% | 2,141 |
| Loan and lease loss provision to assets | 0.2372% | 4,689 |
| Net operating income to assets | -1.3965% | 7,199 |
| Return on assets (ROA) | -1.3965% | 7,206 |
| Pretax return on assets | -1.3965% | 7,034 |
| Return on Equity (ROE) | -15.6267% | 7,362 |
| Retained earnings to average equity (ytd only) | -15.6267% | 7,276 |
| Net charge-offs to loans | 0.3746% | 3,320 |
| Credit loss provision to net charge-offs | 79.8611% | 5,203 |
| Earnings coverage of net charge-offs (x) | -3.9028% | 6,432 |
| Efficiency ratio | 147.9932% | 384 |
| Assets per employee ($millions) | 4.5711% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 3,878 |
| Loan loss allowance to noncurrent loans | 40.4648% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 3.0140% | 2,107 |
| Noncurrent loans to loans | 3.3884% | 2,077 |
| Net loans and leases to total assets | 78.4684% | 1,645 |
| Net loans and leases to deposits | 93.1345% | 2,247 |
| Net loans and leases to core deposits | 131.3476% | 1,461 |
| Total domestic deposits to total assets | 84.2528% | 3,624 |
| Equity capital to assets | 8.2873% | 6,352 |
| Core capital (leverage) ratio | 8.2474% | 5,891 |
| Tier 1 risk-based capital ratio | 10.2676% | 6,631 |
| Total risk-based capital ratio | 11.5182% | 6,560 |
| Memoranda: | ||
| Average total assets | $96,953,670 | 5,253 |
| Average earning assets | $89,482,330 | 5,220 |
| Average equity | $8,664,670 | 5,790 |
| Average total loans | $76,884,670 | 4,705 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 7,027 |
| Cost of funding earning assets | 2.6573% | 1,384 |
| Net interest margin | 2.3058% | 7,711 |
| Noninterest income to average assets | 0.2480% | 6,470 |
| Noninterest expense to average assets | 3.6701% | 1,710 |
| Loan and lease loss provision to assets | 0.3363% | 3,302 |
| Net operating income to assets | -1.6353% | 7,555 |
| Return on assets (ROA) | -1.6353% | 7,555 |
| Pretax return on assets | -1.6353% | 7,416 |
| Return on Equity (ROE) | -17.6217% | 7,698 |
| Retained earnings to average equity (ytd only) | -17.6217% | 7,569 |
| Net charge-offs to loans | 0.1646% | 3,645 |
| Credit loss provision to net charge-offs | 258.0645% | 1,827 |
| Earnings coverage of net charge-offs (x) | -9.9677% | 5,620 |
| Efficiency ratio | 154.7872% | 332 |
| Assets per employee ($millions) | 4.6229% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 2,911 |
| Loan loss allowance to noncurrent loans | 48.4936% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 2.4959% | 2,302 |
| Noncurrent loans to loans | 3.1184% | 2,076 |
| Net loans and leases to total assets | 78.8270% | 1,617 |
| Net loans and leases to deposits | 92.9774% | 2,439 |
| Net loans and leases to core deposits | 124.7856% | 2,006 |
| Total domestic deposits to total assets | 84.7808% | 3,311 |
| Equity capital to assets | 8.9018% | 5,475 |
| Core capital (leverage) ratio | 8.9154% | 4,843 |
| Tier 1 risk-based capital ratio | 11.1624% | 5,744 |
| Total risk-based capital ratio | 12.4156% | 5,660 |
| Memoranda: | ||
| Average total assets | $95,148,500 | 5,326 |
| Average earning assets | $87,607,000 | 5,301 |
| Average equity | $8,830,000 | 5,763 |
| Average total loans | $75,323,000 | 4,792 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 6,576 |
| Cost of funding earning assets | 3.5059% | 508 |
| Net interest margin | 2.2496% | 7,937 |
| Noninterest income to average assets | 0.2274% | 6,809 |
| Noninterest expense to average assets | 4.2804% | 1,068 |
| Loan and lease loss provision to assets | 2.0121% | 594 |
| Net operating income to assets | -4.0022% | 7,989 |
| Return on assets (ROA) | -3.9860% | 7,971 |
| Pretax return on assets | -3.9860% | 7,887 |
| Return on Equity (ROE) | -33.1274% | 8,004 |
| Retained earnings to average equity (ytd only) | -33.1274% | 7,960 |
| Net charge-offs to loans | 1.9605% | 555 |
| Credit loss provision to net charge-offs | 156.6038% | 3,325 |
| Earnings coverage of net charge-offs (x) | -1.5490% | 6,670 |
| Efficiency ratio | 186.8952% | 225 |
| Assets per employee ($millions) | 4.0529% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 2,478 |
| Loan loss allowance to noncurrent loans | 95.3429% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 3,690 |
| Noncurrent loans to loans | 1.6190% | 3,341 |
| Net loans and leases to total assets | 77.0458% | 2,362 |
| Net loans and leases to deposits | 91.9071% | 3,152 |
| Net loans and leases to core deposits | 112.7722% | 3,477 |
| Total domestic deposits to total assets | 83.8300% | 3,410 |
| Equity capital to assets | 9.6743% | 4,460 |
| Core capital (leverage) ratio | 9.6038% | 3,872 |
| Tier 1 risk-based capital ratio | 12.2468% | 4,632 |
| Total risk-based capital ratio | 13.4996% | 4,520 |
| Memoranda: | ||
| Average total assets | $86,627,400 | 5,458 |
| Average earning assets | $79,437,000 | 5,449 |
| Average equity | $10,423,400 | 5,289 |
| Average total loans | $56,769,800 | 5,417 |